Naomi Roper

Partner

Naomi is a partner in the banking and finance team with a particular specialism in social housing finance. She has decades of experience in advising both borrowers, including registered providers, and lenders and has built an exceptional track record in supporting her clients across all types of financing and capital markets transactions.

Her expertise spans funding and security arrangements, including bilateral and syndicated loan facilities, equity funding, intercreditor arrangements, development and off-balance sheet funding, derivatives, intra-group loans, security trusts, joint venture arrangements and the restructuring of entire loan portfolios.

Known for my no-nonsense approach to getting the job done, I take pride in helping clients achieve their funding goals with commercial, pragmatic advice. I’m personable, highly dedicated, and always focused on delivering results efficiently.

Naomi Roper, Partner

As a capital markets funding specialist, Naomi has advised clients on bond issuances worth billions of pounds. Her experience includes private placements, public bond issues and setting up, issuing under and updating EMTN programmes. She also regularly advises on complex group restructurings, including loan portfolio due diligence and lender consent processes.

Naomi is a leading adviser in green, social and sustainable finance. She supports clients on green loans, sustainability linked loans and private placements and provides ESG training, impact reporting guidance and compliance advice. She contributed to the development of the Sustainability Reporting Standard for Social Housing and the LMA Sustainability Linked Loan Principles for Real Estate Finance. Naomi also sits on the City of London Law Society’s ESG committee and is a frequent speaker on ESG and sustainable finance.

Recent work highlights

£1.5 billion EMTN programme

Advising Sovereign Network Group on setting up its £1.5 billion EMTN programme – drafting the risk factors in the prospectus and negotiating all programme documentation – and the issue of £75 million of sustainability linked notes under the programme.

£100 million revolving credit facilities

Providing guidance to Poplar Harca on its entry into revolving credit facility agreements totalling £100 million with two separate funders, National Westminster Bank and Allied Irish Bank.

New entrant intragroup loan arrangements

Acting for Desire Affordable Homes, a new entrant to the social housing sector, on its £4 million loan from Bernard Construction.

£25 million amendment and restatement

Advising Methodist Homes on the amendment and restatement of its £25 million loan with Allied Irish Bank, including reviewing and negotiating revised finance documentation.

Sustainability-linked loan facilities

Representing Sovereign Network Group on £200 million of sustainability-linked loan facilities with National Australia Bank and Sumitomo Mitsui Banking Corporation.

Multi-lender loan restructuring deal

Acting for a registered provider on the restructuring of its loans with three separate lenders, including amending and restating £135 million of revolving credit loan facilities and entering into a new £100 million term loan facility.

Restructure of loan portfolio

Advising Honeycomb Group on the restructuring of its loan portfolio, including on the amendment and restatement of its £30 million loan agreement with Northern Bank Limited and a new £20 million loan agreement with National Westminster Bank plc.

Restructure of loan portfolio

Advising Honeycomb Group on the restructuring of its loan portfolio, including on the amendment and restatement of its £30 million loan agreement with Northern Bank Limited and a new £20 million loan agreement with National Westminster Bank plc.