Our client is seeking a Credit and Lending Services Legal Officer for an 18-month fixed-term contract. This full-time position involves supporting the Offshore Client Real Estate business by working with high net worth individuals and institutional clients. In this role, you will be responsible for building and converting a pipeline of new lending opportunities, developing client and intermediary relationships, and originating transactions that align with business growth and client objectives.
Job Duties:
- Originate and arrange property lending opportunities in target markets and jurisdictions, developing a prioritised origination plan covering clients, intermediaries, sectors and jurisdictions.
- Conduct detailed analysis of new deals, including client quality assessments, financial analysis, and the preparation/review of cash flow models and property due diligence.
- Structure new lending opportunities by proposing terms, leverage, and covenants, leading negotiations from term sheet to transaction execution.
- Review and prepare credit applications, presenting transactions to the Real Estate Deal Forum and the Bank's Credit Committees.
- Lead post-Credit due diligence process, including reviewing legal documentation and valuation reports.
- Guide each deal through to repayment, ensuring compliance with conditions and conducting annual reviews.
- Provide mentorship and direction to analysts, enhancing their technical and client-facing skills.
- Ensure operational excellence in relationships with clients and internal teams.
- Manage wide-ranging banking services for real estate borrowers, collaborating across the Bank for referrals.
Job Requirements:
- Proven experience in originating real estate debt within the UK and Channel Islands markets, particularly in development lending.
- In-depth knowledge of property lending across various asset sectors.
- Strong prioritisation skills, assessing opportunities based on strategic fit and conversion probability.
- Excellent negotiation abilities and experience working with family offices and high net worth clients.
- Strong relationship management and networking skills, with the capacity to manage pressure and tight deadlines.
- Established connections with sponsors and advisers in the UK or Channel Islands real estate sectors.
- Proficient in structuring real estate lending transactions and associated documentation.
- Experience with cross-border or offshore ownership structures is advantageous.
- Ability to analyse business plans, focusing on covenant strength and financial performance.
- Strong presentation skills, particularly in presenting to credit committees.
- High attention to detail, effective time management, and a proactive approach to client service.
- Understanding of compliance considerations and the regulatory environment.
- Proficient in AI-enabled productivity tools, applying critical thinking to interpret outputs.
- Regulatory knowledge relevant to the role is compulsory.
- A commitment to integrity and fair treatment of customers is mandatory.
- Strong collaborative behaviours, demonstrating respect and inclusion within the workplace.
What You’ll Love:
Our client fosters a culture of belonging and inclusion, prioritizing diverse talent and providing various development opportunities to support your career journey. You will find a workplace where innovation thrives through respect and empowerment, designed to help you grow professionally.
Could this be the right opportunity for you? If this opportunity sounds right for you, we’d love to hear from you. Our friendly and experienced recruitment team is here to answer your questions, offer guidance and support you throughout the process. Simply submit your CV in confidence, and our Candidate Manager will arrange for one of our consultants to get in touch to organise an initial meeting, either face to face, via Microsoft Teams or by telephone, whichever suits you best. We look forward to getting to know you and learning more about what you’re looking for.
