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Management framework

Members of the board

The responsibility for managing and leading PFK is shared between the Managing Director, Chairman and the board of Directors.

PFK’s board members are built up of a diverse range of experience and culture, and work collaboratively to define and guide the company’s vision.

Ian Lancaster

Ian Lancaster

Non Executive Director

Andrew Green

Andrew Green

Managing Director


Andrew is a Chartered Surveyor with 30 years experience in Surveying and Valuing property throughout Cumbria and The Lake District National Park.

Originally from Keswick Andrew undertook an Honours degree in Building Surveying at Leicester returning to Cumbria to work for Colleys Surveyors and Valuers.

After running his own practice for 15 years Andrew joined PFK in 2012 as Head of Survey and Valuation. His day to day work involves the survey and valuation of a range of property types for a wide variety of local regional and national clients.

Joseph Webb

Joseph Webb

Finance Director and Company Secretary

Joseph is a Chartered Accountant with over 10 years’ experience in the finance profession.

Originally from London, Joseph obtained an Economics degree at Lancaster university and a Masters degree in Management before training with top-10 accountancy firm, Smith and Williamson.

Having spent time in smaller accountancy practices working with and advising firms predominately within the professional services sector, Joseph moved to Cumbria and joined PFK in 2016.

Lynne Lancaster

Lynne Lancaster


Originally from Carlisle, Lynne began her Estate Agency career in the late 1980’s at Tiffen King & Nicholson Estate Agents in Carlisle.

Lynne has previously worked for Nottingham Property Services and more recently at Cumberland Estate Agents as the sales & lettings manager, overseeing 10 branches.

Lynne joined PFK as the Head of Estate Agency in early 2019 and has a wealth of experience and a passion for the business.  Her day to day work involves overseeing the Estate Agency arm of the business and driving forward the largest of PFK’s departments.

Katie Milbourn

Katie Milbourn

Non-executive Director

Katie is a non-executive director of the PFK board. She is a member of the Royal Institution of Chartered Surveyors, a fellow of the Association of Agricultural Valuers and her background is in beef and arable farming at Crosby-on-Eden.

Katie has professional experience with Savills as a rural practice chartered surveyor, and as a private sector member of the Cumbria LEP, representing north and rural Cumbria. She is currently a Director of NFAN, the national organisation for farm attractions.

Bernard Wharam

Bernard Wharam


Bernard is the Chairman of the PFK board with over 30 years of professional experience in the motor industry, including senior roles with BMW, Mercedes-Benz, Toyota and Pendragon.

Bernard specialises in business improvement; he also continues to operate a global automotive consultancy practice, delivering award winning projects for some of the world’s leading vehicle manufacturers.

A strong and robust risk management framework

Our systematic and robust approach aims to continuously monitor those risks, our risk management and internal controls systems and evolve our approach accordingly.

Risk management approach

Good risk management is fundamental to our ability to meet our operational and strategic objectives. The competitive market in which we operate requires effective decision making; ensuring that the risks the business takes are adequately assessed and challenged and appropriate returns are achieved. PFK must also retain our overall resilience to risks over which we have limited control through our disaster recovery and business continuity procedures.

Our overall risk management ambition remains – to foster and embed a culture of risk management that is responsive, forward looking, consistent and accountable.

Robust risk assessment

Our systematic risk management approach is designed to identify risks to the business using both a bottom-up and a top-down approach. A risk scoring matrix is used to ensure that a consistent approach is taken when assessing the overall impact to the Company.

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