Fred is our associate responsible for employment and skills implementation on CHIC contracts. He is a fellow of the Institute of Personnel and Development (IPD) and holds a Masters degree in human resource development. Following 30 years with Lloyds Bank including an appointment as Principal of the its training centre, he was Head of Skills at West Midlands Business Link and is now involved in a third sector organisation specialising in employability and welfare to work contracts for the Department of Work and Pensions and National Lottery. In his spare time, Fred is a keen golfer. He has just completed 20 years as a housing association Chair and holds non-executive appointments.