Senior Lending Manager

Role Overview

• Deliver lending volumes, product mix and deal level returns in line with personal targets to ensure the achievement of the wider businesses financial plan, with lead generation for wider products than property secured – both lending & savings plus in due course other products.
• Where line management is part of the role you will be responsible for ensuring the performance of the direct report meets Bank requirements.
• Through effective and targeted networking across broker and professional communities raise the awareness and profile of the Recognise brand in the markets in which it operates, and proactively manage brokers onboarded to Recognises broker panel: Including the annual review of allocated broker firms and attendance of national broker events, seminars, dinners, awards etc.
• Review and analyse all new business enquiries received and in the case of lending proposals that proceed, produce the required credit paper with credit analysis to support the timely sanctioning and completion of the transaction, working collaboratively with other members of the “Deal Team” (Lending Operations and Underwriter).
• Ensure that all lending proposals are within credit risk appetite and lending policy / criteria, and meet the minimum returns set by the Bank.
• Line management and mentoring or less experienced Lending Managers with the assessment of new lending enquiries and the production of the related credit papers and where necessary manage workflow across the team.
• Ensure data quality is of a high standard and is regularly reviewed / updated to support the wider business and regulatory reporting requirements.
• Provide an outstanding level of service to customers as evidenced through positive feedback and broker / customer surveys.
• Provide open communication and transparency with multiple stakeholders internally (e.g. Lending Operations, Credit Underwriting, Chief Commercial Officer, Second Line Risk (credit assurance and compliance), Internal Audit) and externally where required.
• Operate as a Subject Matter Expert in commercial and residential property lending;
• Act as either lead or support on projects both within the Lending Team and across the wider business on commercial lending related initiatives.
• Adhere to all regulatory requirements (as relevant) e.g. Consumer Duty, SMCR and complete all regulatory training in a timely manner.
• This role will likely carry a level of line management responsibility.

Requirements

• 5+ years of lending experience.
• ACIB qualification is desirable but not essential.
• Experience and knowledge of a broad range of commercial and residential property secured lending sectors and market knowledge is essential.
• Successful track record of identifying new business opportunities from networking within a geographic location, utilising a wide professional network and from an existing customer base.
• Proven Business Development and relationship management skills.
• Advanced Business Case writing and Credit Analysis.

Benefits

• Competitive Time Off – Generous annual leave plus bank holidays to rest, recharge, and enjoy life outside of work.
• Work From Anywhere – Up to 6 weeks per year to work remotely from anywhere in the world.*
• Learning & Development – Tailored training and support to grow your skills and achieve your professional goals.
• Hybrid Working – To support your work-life balance, we offer a hybrid working model with 3 days in the office and 2 days remote.**
• Private Medical Care with Vitality – Comprehensive healthcare coverage to keep you healthy.
• Enhanced Pension Scheme – Helping you plan and save for a secure future.
• Maternity, Paternity & Adoption Pay – Supporting you and your family during important life moments.
• Discretionary Company Bonus – Rewarding your contribution to our shared success.