City + Capital are currently representing a highly respected and well-funded REF lender who have retained our services to appoint a cultured and experienced Structured Lending Director to their busy team, at an exciting time of growth.


The Company
Our client is a leading provider of commercial investment finance who have been operating with great success in the market for over 10 years. They are renowned for their innovative and bespoke approach, supporting property professionals including investors, landlords, business owners and developers with tailored facilities, with loan sizes ranging up to c£75million & beyond.
With ambitious plans to grow their loan book significantly in the coming years, they continue to offer exciting opportunities for ambitious real estate professionals who are keen to be involved in all aspects of a deal and deal successes.


Role Overview
Reporting to the Head of Property Finance, you will oversee the origination of new lending enquiries, deal structuring, credit activity, loan syndication/sell down as well as the ongoing management of the borrower relationship & loan facilities.


This is a true "cradle to grave" role, combining oversight of the entire lending cycle with a hands-on delivery approach. This also includes the presentation of loan opportunities to funding partners, where applicable.
You will be ably supported throughout all activity by the broader team of lending and funding experts, to ensure the best possible results are delivered for clients. It is expected that upon appointment, you will agree a lending target to achieve annually.


Responsibilities
*Engage the broker and borrower market to identify and onboard new lending enquiries
*Undertake initial deal assessments & develop relevant credit papers
*Structure deals according to requirements and in line with company appetite
*Work closely with the credit committee to approve and complete deals
*Oversee the funded loan book to ensure healthy redemptions
*Proactively seek lending opportunities from within the funded loan portfolio
*Manage broker and borrower relationships throughout their Lifecyle with the business
*Liaise with internal and external funding partners wherever required
*Communicate with external stakeholders, such as lawyers, valuers and wider network
*Conduct monitoring of UK residential leasing trends, seeing opportunities
*Mentor junior team members, tracking KPIs and coaching on risk and compliance
*Create reports when required, suggesting improvements to the wider team


Candidate Requirements
The ideal individual for this role will be highly experienced when funding residential assets for commercial investment finance, such as PRS, HMO etc...


You will be confident in their capacity to identify and onboard loan enquiries that match the appetite of funding partners.
Due to the end-to-end nature of this role, it is critical that you can demonstrate a strong understanding of the credit risk principles that underpin investment finance lending, that you will be confident in structuring deals, developing credit papers and underwriting enquiries.


Experience in managing a portfolio of funded property finance loans will also be key, to support ongoing clients and deals to successful conclusion.


Experience in presenting to funding lines and institutional partners is preferred, though not essential.
*Experienced in funding large residential assets from a commercial perspective
*Experience with mixed use commercial and residential transactions/ HMOs
· Highly connected to brokers and borrowers in the UK REF market
· Outstanding track record in originations and achievements against lending targets
· A strong background in real estate underwriting or credit
· Comfortable managing loan completions to drawdown
· Strong portfolio stewardship skills with the capacity to identify opps or threats
· Excellent verbal and written communication to nurture and negotiate


On Offer
Our client is ideally looking to pay between c£80k-120k as a basic salary for the ideal individual, which will be relevant to experience. Our client may consider higher basic salary offers, where track record and experience determine.
Salary will be complemented by access to our client’s favourable bonus structure too, which will significantly increase year on year earnings based on the loans you write and ultimate performance to agreed objectives, giving the opportunity to earn an additional 50% of salary.


Notably, as an agile and growing lender, this role also comes with potential to progress career standing and salary forward within, where excellent performance is delivered. Our client prefers to promote from within wherever this is possible, offering longer term career potential within.
Our client operates a flexible working policy to allow the successful candidate the opportunity to strategically manage their own diary of appointments from home and the office where required.


Next Steps
There is a reasonable amount of urgency to fill this position in line with objectives.
Due to the nature of the role & opportunity, you do not expect it to be on the market for long!
If this role does sound like one that you are both qualified for and interested in, then we look forward to your application as soon as possible.
Once we have reviewed your application we will be in touch with an update. We look forward to hearing from you.
The City + Capital Team