Hi and welcome to Rootschat, as you correctly say in 1865 he was possibly a Carpenter, he was a Carpenter at marriage to Frances Batch 11th March 1856 St Dunstan in the East, where he was a Widower, previous marriage to Mary Ann English 15th February 1835 St Dunstan in the East.
By 1871 he was an Insurance Agent, and 1881 an Insurance Manager and finally in 1891 a hard to read but appears to be a high position in the Insurance world
Keyboard86