Lending Documentation and Securities Officer
1 week ago
Working for this ethical bank based in Bristol city centre as a Lending Documentation & Securities Officer (also known as Senior Technical & Securities Officer) you will be responsible for documenting and securing new and existing facilities, managing the loans process to payout, and completing all associated administration for both standard and complex bespoke lending. You will also be providing guidance and advice to Relationship Managers on technical lending and security matters.
This role is based at our Bristol HQ and offers the benefits of flexible hybrid working with a blend of office and working from home.
**Responsibilities**
**Documentation**
- Handling complex forms of financing, using standard pre-formulated and partly customised facility agreement templates.
- Drafting and negotiation of contractual, security and other relevant support documentation in relation to uncommitted and committed bilateral facilities in line with credit approvals.
- Reviewing of bilateral and syndicated loan documentation including the Loan Market Association format facility agreements, inter-creditors agreements, deeds of priority, security documentation, legal opinions and other documentation ensuring it is in compliance with sanctioned credit approvals.
- Reviewing and assessing bespoke facility agreements created by the Bank’s solicitors (requires knowledge of LMA documents and familiarity with syndicated lending agreements).
- Working closely with the Bank’s legal counsel and engaging and liaising with external counsel, where required, in order to complete the documentation process.
- Perfecting the Bank’s required security, utilising standard or bespoke documents as required
- Verifying necessary approvals and documentation for release of collaterals and ensuring that there are no outstanding liabilities before removing the records from the core banking system.
- Collating all condition precedent/subsequent documentation prior to payout.
**Loan Servicing and portfolio data management**
- Responsibility for the complete and accurate administration of the Bank’s loan book, including processing Credit Committee minutes correctly and in a timely manner, with all relevant Core Banking System records being maintained accordingly.
- Using in-depth technical knowledge of lending to identify and mitigate any risks, liaising with Credit department as necessary.
**Legal and compliance**
- Responsibility for completing all Anti Money Laundering (AML) and regulatory checks on lending customers, their Ultimate Beneficial Owners (UBOs) and any other connected parties, ensuring that the Bank’s records are maintained and complete for compliance, audit and reporting requirements.
- Proactively identifying credit risks arising from an analysis and review of reports and documentation provided by solicitors, customers and/or valuers.
- Acting in an advisory capacity to other members of the Business Banking team.
- Acting in a supervisory capacity to other members of the BB Technical & Securities team, especially in times of absence of the T&S Team Leader
- Identifying process improvements and taking ownership of implementing them, where possible.
**What we are looking for**:
**Job Types**: Full-time, Permanent
**Salary**: £37,000.00 per year
**Benefits**:
- Company pension
- Cycle to work scheme
- Employee discount
- Life insurance
- Private medical insurance
- Wellness programme
Schedule:
- Monday to Friday
Work Location: Hybrid remote in Bristol
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