Commercial Lending Specialist

3 weeks ago

London, Greater London, United Kingdom GB Bank Full time

About Us

Join one of the UK's most rapidly expanding and award-winning financial institutions.

We are a collective of ambitious, dedicated, and passionate individuals who have successfully established one of the UK's newest specialist banks focused on property finance. We are seeking exceptional new team members who possess ambition and drive to accompany us on our exciting growth journey.

If you desire a company that offers accelerated career advancement and you thrive in a dynamic environment where your contributions are valued, rewarded, and impactful, then GB Bank is the place for you.

Role Overview

In this stimulating position, we will depend on you to assess and underwrite loan applications for our comprehensive array of property finance solutions. This encompasses specialized Buy To Let loans, bridging finance, and commercial mortgages.

One of the most rewarding aspects of this role is the chance to assist GB Bank in achieving sustainable growth by upholding high credit standards and maintaining a well-balanced lending portfolio. This, in turn, will help us realize our ambitions and truly make a difference.

Your Responsibilities

  • Engaging and collaborating effectively with Relationship Managers, Clients, and Brokers to gather necessary information for lending decisions.
  • Evaluating the appropriateness of loan applications based on thorough risk analysis and assessment of repayment capabilities.
  • Utilizing your delegated lending authority to underwrite property-backed lending transactions, further advances, and account reviews in accordance with GB Bank's Lending Policy, Treating Customers Fairly (TCF), and responsible lending principles.
  • Ensuring that all applications are structured to mitigate key risks, complete with suitable conditions, and documenting a solid rationale for each lending decision.
  • Preparing cases that exceed your personal lending authority and presenting them to the relevant decision-makers, including Credit Decisioning Committees when necessary.
  • Proactively supporting post-underwriting case progression, including oversight of property due diligence and documentation, as well as assisting with post-completion processing and case management.
  • Assessing the appropriateness of security, property valuations, and other specialized reports while liaising with valuation and legal panel firms as needed.
  • Identifying potential enhancements to underwriting systems, policies, criteria, and processes.
  • Ensuring that management information and systems are updated accurately and promptly.

About You

You are likely to possess most of the following:

  • A minimum of 12 months experience operating with a lending mandate in a commercial lending underwriting environment across various sectors, including Real Estate.
  • A proven track record in a client-focused credit environment, with the ability to respond to client needs and tailor service delivery accordingly.
  • Recent in-depth knowledge of property transactions and an understanding of comprehensive risk management throughout the lifecycle.
  • A full understanding of commercial legal and valuation processes, along with broader commercial risk considerations.
  • A commitment to quality and efficiency, with a strong desire to exceed expectations.
  • A proactive and positively infectious attitude – you build relationships by genuinely understanding people's needs and fulfilling your commitments.
  • A motivation to ensure your work creates a lasting impact.
  • Exceptional attention to detail – you are organized, prepared, and capable of managing competing priorities effectively.
  • Strong analytical skills that enable you to extract meaningful data, communicate it clearly, and ensure actionable steps are identified and implemented.
  • Excitement about the opportunity to work in a purpose-driven start-up bank.
  • Confidence in exercising good judgment and being pragmatic.

What We Offer

We provide an 8% company pension contribution with a 3% individual contribution (which you can opt to increase).

Enjoy 30 days of holiday each year, which includes your birthday off, plus bank holidays.

Experience the flexibility of working from anywhere for four weeks each year.

Benefit from flexible working arrangements, allowing you to take ownership of your work style, recognized as one of the top 100 most flexible companies globally.

Receive top-tier private medical coverage with WPA, including no excess, and the option to add family members through salary sacrifice.

Enjoy death in service coverage at 4 times your base salary with Aviva.

Access mental health support through a helpline and counseling sessions.

Take advantage of enhanced maternity, paternity, and adoption leave.

Participate in various surprise and delight moments throughout the year to foster team connection.

Additional Information

We are an equal opportunities employer and encourage applications from suitably qualified candidates, regardless of age, sex, race, disability, sexual orientation, gender reassignment, religion or belief, marital status, or pregnancy and maternity.

At GB Bank, we prioritize privacy and data protection rights, promoting robust ethical standards in data management. Please review our Privacy Notice regarding our recruitment activities before submitting your application.

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