Loan Book Officer Structured Property Finance

2 weeks ago

London, Greater London, United Kingdom United Trust Bank Full time

This is a hybrid role working 3 days in the office (City of London location) and 2 days working from home.

Role Purpose:


The role of the Structured Finance (SF) Loan Book Officer is to provide support to the Structured Finance Team in assisting with the maintenance, analysis and review of the existing loan book.

This is to include the provision of regular management information and reporting, day to day returns, loan documentation, audits and reviews as required by the wider business and/or the Head of Operations.


Responsibilities:

  • Preparation of the monthly SF Business Management Committee packs.
  • Periodic 'Deep Dive reviews' (as required during the year) and the presentation of these reviews in the required BMC meeting
  • Additional requests for various management information to be prepared when required
  • The completion of the monthly 'Lending Report
  • Divisions' document detailing the month end position of the team's Originations, Loan Book and WIP
  • Monitoring of the day behind reports (SFO1/WIP01) to ensure the loan book is efficiently managed with maturity dates/interest in line with each loan agreement
  • Day to day management of the WIP and cashflow for drawdown /repayment with liaison with the underwriters, treasury and deposits) to ensure the loan book/WIP is appropriately managed for liquidity purposes. This includes the biweekly 'Management Overlays' cashflow reporting
  • The completion of the SF Team's month end sign off for the Finance Department
  • The execution of the SF team's monthly Commercial Exposure calculations and the reporting of this information to management
  • Assist the Head of SF and Head of Operations with preparation of the annual Budget and Forecast data and the preparation of these presentations
  • Management of the monthly interest collections including both manual payments and Direct Debit claims
  • The execution of each Loan Extensions on the Aurius system and the upkeep of the Extensions MI and monthly Extensions reporting to Finance/Credit
  • Preparation of Offer letters/Variation and Extension Letters with the status of these to be recorded/monitored
  • Preparation of instruction letters for third party professionals
  • Monitoring of loan conditions, overdue interest and Call Accounts
  • The monitoring and collection of Fee's ensuring that these are chased and paid on time as required
  • The monitoring and collection of Offer Letters/Extension Letters ensuring that these are chased and returned on time as required
  • Fee Account reconciliation and periodic returns to Finance
  • The execution of periodic reviews of the SF Loan Book for other departments including the quarterly PRA Reviews/monthly PRA reporting and other data requests from Finance/Credit/Treasury
  • Preparation of redemption statements
  • Complete Post Completion Checklists/Welcome Letters
  • Calculating and implementing interest rate adjustments on Aurius when required
  • Undertaking further advances on Aurius such as 'Works Tranches' on the team's Improvement Loans
  • Other adhoc slide presentations on behalf of the team and team management

Skills and Experience Sought:

  • Knowledge of/ interest in the property market
  • Office IT systems (word, excel, PowerPoint etc)
  • Legal aspects of the property market, specifically taking property as security
  • Familiarisation with bridging, development, commercial and short term lending
  • Working knowledge of loan operations with banks or lenders
  • Ability to use various IT tools such as financial and administrative, word processing, spreadsheet and database software

Remuneration and Benefits:

  • Competitive Salary and Bonus package
  • 26 Days Holiday
  • 2 Wellbeing Days
  • Contributory Pension
  • Life Insurance / Income Protection / Critical Illness cover
  • Private Medical Insurance
  • Season Ticket Loans
  • Excellent career development opportunities and where appropriate sponsorship of a relevant qualification

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