Office Team

Carol Bendall

Office Manager

Carol has been the first port of call for our members for over a decade now.

She handles all the new loan requests coming in, share withdrawals and queries as well as liaising with the Credit Commitee, the Board and any other stakeholders.

Her phone never stops ringing!


Working Hours:

Tuesday – Thursday: 9pm to 5pm

Friday: 8.30am-12.30pm


Tel: 07958325479 – (Home Office)

Robert Chatwin

Administrative Assistant

Rob joined the First Scottish team in August 2021. With over a decade of experience working in the financial industry with RBS, Robert is thrilled to be here at First Scottish where we put Members above profits.

Robert does a lot of work behind the scenes – keeping the website up to date, managing social media etc. He is also training up to monitor the monthly accounts for the Credit Union.


Working Hours:

Monday – Tuesday: 9am to 5pm

Friday: 9am to 5pm


Tel 07399253634 – (Home Office)

Meet the Office Team.


Carol and Rob deal with the day to day running of the Credit Union.


They are here to answer queries, deal with payments, loans and any other business.


Board of Directors and Credit Commitee

Allan Gray

Chairman (acting) / Credit Commitee Member

Phil Tobin

Director / Credit Commitee Member

Derek Penman

Director / Money Laundering Report Officer

Phil Rowsby

Director / Secretary

Phil has been a member of the Credit Union for several years and also serves as a Board Member for a Housing Association in Edinburgh. He has recently started acting as the Secretary of the Credit Union.

In his day job, Phil is a Senior Governance Officer at Heriot-Watt University, which involves supporting senior leaders in preparing for meetings; taking minutes; preparing agendas and chasing up actions. A bit like his role for First Scottish!

In his spare time, Phil enjoys walking in the Pentland hills near his home and doing plenty of cycling.

Maryam Sholevar


Khadidja Merakchi


Linda Safely

Supervisory Commitee

Doug Veitch


Tope Olorunfemi