Azem Hanif joins Upstream ABL from Danske Bank to support the structured asset-based lending specialist to support continued growth

Upstream ABL has appointed Azem Hanif as Credit and Risk Partner amid strong demand for its flexible, funding solutions designed to supercharge the ambitions of a growing number of Northern Ireland business owners and entrepreneurs.

Azem, who joins the Structured asset-based lending specialist after nearly 17 years at Danske Bank in Northern Ireland, has enjoyed a distinguished 25-year career in banking and financial services which has included leading roles at Bank of Scotland, RBS and AIB (NI).

The appointment comes as Upstream ABL seeks to further strengthen its position since it completed a Management Buy Out (MBO) earlier this year and secured £150 million of new funding from London’s Pollen Street Capital – and follows a number string of major financing deals for leading corporate brands businesses including Norlin, Courtney & Nelson and Brookvent.

Welcoming the appointment, Upstream ABL founder and CEO, Judith Totten, said:

“We’re pleased that Azem is joining our expanding team to support our growth. Azem joins us with real leadership strengths, and we look forward to his contribution as we continue to bring the benefits of structured asset-based lending to more future-focused and ambitious companies in the region.”

Lewis McCallan, Asset Based Lending Partner in Upstream ABL, added:

“Having worked closely with Azem for many years, I am personally delighted to welcome him to the Upstream team. He will be an invaluable asset to our growing business and will help drive the growth and development we plan over the next number of years.”

Formerly Senior Manager in Credit Risk Management at Danske Bank UK, Azem led a high-performing credit team in assessing complex credit applications and managing portfolio risk and has been credited for consistently demonstrating a strategic approach to relationship management, credit decisioning, and risk mitigation while delivering strong commercial outcomes.

Upstream ABL Credit and Risk Partner, Azem Hanif, said:

“I’m thrilled to take on the role of leading Upstream’s credit and risk operations at such a pivotal and dynamic stage for the company. As more businesses recognise the value of structured asset-based lending - whether for growth, scaling, acquisitions, or restructuring—we're well-positioned to support their ambitions.

By staying focused on our clients’ needs and delivering tailored, effective solutions, we have a tremendous opportunity to drive economic growth, support job creation, and unlock new potential across the market.”

Established by Judith Totten MBE in 2011, Upstream ABL has already built a reputation for flexibility and agility in providing tailored funding solutions. It guarantees all businesses access to an experienced, local decision-maker who understands the importance of swift and clear feedback, coupled with guidance and direction in structuring the most appropriate funding facility for now and into the future.