Administrator, Commercial Loans

**Overview**

To administer commercial loans and across all loan portfolios serviced by the Commercial Servicing team, ensuring that service is provided in accordance with the levels specified in the SLA, procedures and current legislation.

**Key Accountabilities and main responsibilities**
- Understand the terms and conditions of a borrower’s loan so that they may be clearly explained to, and met by, the borrower.
- Ensure information relating to borrowers and their loans is current, accurate and updated within mandated levels and in accordance with procedures.
- Ensure that borrowers are correctly informed of payments due and that the collection of the required payment is made promptly and accurately.
- Process requests for redemption statements in a prompt and timely manner and ensure that upon receipt of required funds the loan security is released in accordance with procedures and agreed SLAs.
- Receive and resolve standard loan enquiries from borrowers and their advisors.
- Liaise professionally with third parties, clients and other areas of the business.
- Report issues accurately, proactively and in a timely and professional manner, making recommendations as necessary and expressing balanced and technical opinions.
- Identify, recommend and implement enhancements to processes and procedures.
- Assist with projects as defined by the Team Leader and Commercial Servicing Manager by meeting agreed deadlines and achieving specific objectives.
- Proactively managing risk assessment activities and annual loan reviews in accordance with SLA’s, procedures and regulatory requirements
- Liaising with the Commercial Specialists and colleagues to determine the most effective remedy where applicable
- Calculation and processing of financial transactions in the Phoebus system
- Ensure that requests for information are responded to accurately and within SLA’s
- Ensure that amendments to borrower’s accounts are made accurately and in accordance with procedures and regulatory requirements
- Assist with audits as defined by the Commercial Team Leader and Commercial Servicing Manager
- Guidance is available at all time from the Commercial Team Leader, Commercial Specialists and Commercial Servicing Manager who will make the ultimate decision when necessary

**Experience & Personal Attributes**
- Ability to work as an effective team member - be co-operative, support others and deliver what you promise
- Ability to communicate at all levels
- Excellent telephone manner
- Basic understanding of mortgage loan documentation
- High standard of written and verbal communication skills
- Strong numerical skills
- Ability to organise workload to meet deadlines and regulatory requirements
- Ability and willingness to see a task through to completion
- Customer focused - identify effective solutions for borrower, internal client and external client
- Competent using Word, Excel and Outlook.
- Knowledge of the applicable regulations/codes governing the financial services industry
- Ability to understand and interpret financial accounts and budgets
- Basic knowledge of commercial mortgage lending and specialist finance in the UK.
- Basic knowledge and understanding of standard commercial mortgage loan documentation.
- Basic understanding of Commercial/Residential Leases
- CeMap Qualification
- Cert BB&C or equivalent Qualification

We are the experts in providing efficient administration and innovative financial solutions. We have over €90bn of assets under management and over 115,000 loans under management. Our clients include a range of financial service organisations, from banks, pension funds and insurers to private equity firms. We operate in regulated markets across multiple European jurisdictions.

We provide a range of administrative services relating to the monitoring and repayment of asset-backed debt, allowing our clients to manage their debt and underlying assets effectively. Our services span all stages of the debt life cycle from origination to performing & non-performing loan and asset management across multiple debt classes. We provide jurisdictional centres of excellence and undertake management of full banking operations, transforming core and non-core banking activities.

Banking & Credit Management is a leading independent servicer and we are highly rated by both Standard & Poor’s and Fitch for both our commercial and residential servicing capabilities.

Link Group is building a dynamic, client focused, caring and inclusive culture that is built on the foundations of an entrepreneurial spirit, effective risk management, empathy and trust, and underpinned by its core values.

We are an inclusive employer whose people work collaboratively. We encourage, support and value the various talents and perspectives of our people and promote a flexible and blended work environment where our people can thrive and their wellbeing is supported. We know that diversity drives better client outcomes, continuous impro