Humzah Irfan

I have recently qualified into Fladgate’s Finance, Funds and Regulatory team. This followed a training contract involving experience in at a top tier US trade finance practice and an industry leading film completion guarantor.

Through my trade finance experience, I have advised large institutional banks based in the UK, EU and the US. This advice covered a variety of asset-backed lending agreements such as master participation agreements, receivable purchasing agreements and supply chain finance programmes.

I always look to understand my client’s business and concerns using my experience working with the in-house legal teams of a film completion guarantor and one of the largest US technology companies. This allows me to understand the importance of risk management to commercial decision-making. I pay particular focus to risk when giving legal advice by considering the wider picture and assessing whether long-term objectives can be achieved.

Outside of work, I never miss a Formula 1 race and I regularly train in ninjutsu (yes, ninja training!). When I am feeling brave, I also like to climb with my cousins.

• Advised a UK bank on negotiations on a master unfunded risk participation agreement with a large German insurance company.
• Advised a large US bank on the termination and accession of their client’s Macao based subsidiaries to a supply chain financing programme.
• Acted for a US lender in the restructuring of a letter of credit facility granted to a large insurance company.
• Advised a Spanish lender on the security structure of a pre-payment advance to a mining company for the purchase of copper-ore traveling across South America.
• Acted for a lender in developing a pro forma confirmation and discounting agreement for structured letters of credit.