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Photo library

Downloadable photos (jpg format) of the CML's key spokespeople and other CML contacts are included here. For photos of other CML staff, please contact


Paul Smee, Director General

Paul joined the Council of Mortgage Lenders as Director General in August 2011. He was until April, Chief Executive of UK Payments, a post which he held for six years. He set up, and was the first Chief Executive of the UK Payments Council, which sets strategy for collaborative payments in the UK. He was very involved with the introduction of the Faster Payments Service in 2008, the first new payment system in the UK for 25 years; and in the production of the UK’s National Payments Plan.

Before payments, Paul was the first Director General of the Association of IFAs, the representative body for the community of independent advisors which was formed in 1999. He also was instrumental in the formation of the Association of Mortgage Intermediaries.

During his earlier career, Paul has worked for the London Stock Exchange, the Association of British Insurers and the Independent Television Commission. He started his working life at the Department of Trade and Industry.

Bob Pannell image

Bob Pannell, Chief economist

A member of the senior management team, Bob has overall responsibility for the CML's economics, statistics and forecasting work. He writes a monthly market commentary, as well as contributing widely to CML News & Views and other published outputs. Bob works very closely with CML colleagues to ensure that policy and PR work is underpinned by rigorous, clear and relevant analysis.

 Sue Anderson image  

Sue Anderson, Head of member and external relations

Sue and her team are responsible for the CML's relationships with CML members and associates, external stakeholders, the media and parliamentarians. Sue has written widely on mortgage market issues and is spokesperson for the CML.

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Bernard Clarke, Communications manager

Bernard writes widely on mortgage market issues both for CML and external publications. He edits the fortnightly newsletter, CML News & Views, and produces the CML's annual report and Yearbook. Bernard is also a CML media spokesman.

 Jon Saunders

 Jon Saunders, Senior policy adviser (funding)

Jon Saunders is a senior policy advisor at the Council of Mortgage Lenders. He leads on issues related to the funding conditions, both retail and wholesale, for mortgage lenders and regulation where it relates to capital and liquidity.

He previously worked in the City for a variety of investment banks, included UBS and Dresdner Kleinwort. He graduated from Loughborough University in 1992 with a first class honours degree in Banking and Finance and subsequently gained an MSc from London University (Birkbeck) in Sports Management.

 John Marr

 John Marr, Senior policy adviser

John Marr is a senior policy adviser at the Council of Mortgage Lenders. He leads on a range of issues, including social/affordable housing and low cost home ownership; environmental issues such as flooding and the Green Deal as well as policy issues particular to Wales. John was previously a policy adviser to the Local Government Association and has worked extensively in the public sector.


 Jennifer Bourne

 Jennifer Bourne, Senior policy adviser

Jennifer Bourne is a senior policy adviser at the Council of Mortgage Lenders. She leads on a range of issues, including financial crime, legal and valuation matters and NewBuy, MI New Home and NewBuy Cymru. Jennifer has previously held a variety of policy roles within both the public and private sector.

 Image of Moray McDonald, CML Chairman

Moray McDonald, CML Chairman

Head of Personal and Business Banking Products, The Royal Bank of Scotland plc

Moray becomes chairman of the Council of Mortgage Lenders in January 2015, having previously served as deputy chairman between 2013-14. 

Moray is currently managing director of products at the Royal Bank of Scotland. He joined RBS in 2010, when he was appointed director for home lending and in early-2014 moved to his current role. Moray brings a wealth of international experience to the post having previously worked in lending businesses in Australia with Citibank and ANZ, and Spain and Portugal with BBVA and GE.



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