Lending Relationship Manager - Private Clients United Kingdom
Job description
Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.
We are seeking an experienced residential property lender to work within our Private Client sector to provide mortgages and residential investment property loans to high-net-worth clients. The successful candidate will enjoy working with clients to create bespoke lending solutions for them and continuing to build Investec's strong brand presence in the Guernsey marketplace as a private bank of choice.
Description of role and key responsibilities
Role
Origination, execution and maintenance of principally private client property lending in Guernsey
Responsibilities
- Build relationships with existing & target clients to maximise lending origination;
- Plan and initiate contact with key introducers and prospects;
- Proactively work with IBCI colleagues to promote the bank's lending capability across our target market;
- Deliver to a personal origination budget as part of the Lending Team;
- Hold and attend meetings with existing clients, prospective clients and introducers to identify and address lending opportunities;
- Critical analysis of lending propositions and their suitability in line with the lending criteria and appetite of IBCI;
- Preparation of credit applications, including the required level of research and due diligence with respect to the verification of the main facets of a proposition, such that key areas of risk are appropriately identified and mitigated;
- Presentation of credit applications to key stakeholders for approval;
- Working with a Portfolio Manager in:
- overseeing the drafting of relevant Facility Letters and documentation in line with the Credit Minute, ensuring all conditions have been documented correctly;
- Management of deals through to drawdown, including any subsequent draw downs, ensuring all conditions continue to be met;
- Managing existing loans and relationships;
- Pro-active notification to clients of debt servicing requirements, along with monitoring and chasing as appropriate;
- Effective management of any excesses or expired limits;
- Carry out reviews of existing facilities as required per the approval conditions
- Deal with day-to-day client queries;
- Maintain a good understanding of the regulatory environment and how the rules and guidance impact the role;
- Follow all applicable internal compliance considerations and appropriate processes, policies and procedures;
- To act with integrity at all times
Core Skills and knowledge
- Strong interpersonal and communication skills (both written and verbal);
- Good knowledge of the Guernsey property market;
- Experience of lending to individuals and their corporate structures with a demonstrable understanding of what constitutes relevant financial and non-financial data in an appraisal of any such transaction;
- An ability to critically appraise the strengths and weaknesses of a lending proposition, identifying key risks and appropriately mitigating;
- Experience of reading and interpreting financial accounts;
- A general awareness of lending procedures, including credit and drawdown related matters;
- Ability to learn quickly and react to client requirements within the appetite parameters of IBCI;
- Team player with the ability to build relationships both externally and internally;
- Ability to follow all relevant compliance considerations including a good awareness of the regulatory environment;
- Solid general administration skills;
- Ability to deal with demanding clients and work within tight deadlines;
- The potential and desire to develop within the business.
All candidates need to hold the appropriate Guernsey Employment permit to live and work in Guernsey
Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.
We want our people to feel empowered to be themselves in an environment that supports them, enabling them to perform in “out of the ordinary” ways. Our culture places belonging and inclusion at its centre and our work environment is integral to this. If you require any adjustments to support you through the recruitment process, as well as supportive and flexible working arrangements to help you succeed with us, please let our recruitment team know.
Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same – if the role excites you, please don't let our person specification hold you back. Get in touch!
