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Howard O’Toole


Banking and Finance

Capital Markets

Corporate and Commercial

Fund Services

Fund-amentally capable.

Highly recommend.

Howard will work round the clock to complete a transaction. His knowledge and experience are very impressive.

A very knowledgeable lawyer.

Very calm and assured.

Seeks to find solutions to any and all problems.


Howard has over 16 years experience in all areas of offshore capital markets and structured finance transactions advising leading financial institutions, arrangers, intermediaries and corporate clients. Howard’s extensive practice also covers banking, finance and investment funds.

Howard has spent the majority of his career working in banking and finance specialising mainly in securitisations, repackagings, Tier 1 capital raising, MTN and commercial paper programmes during which time he gained a solid international reputation amongst practitioners, arrangers, issuers and other finance parties for his prompt, clear and practical advice.


In addition, Howard’s fluent French has enabled him to establish and maintain close professional relationships with many of the major law firms, arrangers and banks in the French structured finance sector.


Howard has both a civil law and a common law background.


Europcar – first pan-European car fleet securitisation programme involving Germany, France, Italy and Spain.
Europcar – restructuring of car fleet securitisation programme (acquisition by French private equity group Eurazeo of Europcar from VW for €3billion).

Commerical Paper Programmes
HSBC – USCP and ECP programme.
BNP Paribas – Eliopée Limited – partially supported ABCP programme.

Secured Lending
London – project finance transaction for the redevelopment of an historical landmark.
London – acquisition of a prime Mayfair asset.


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