Commercial Lending Manager

Montpellier Resourcing; Greater London; Hybrid; GBP 63,000 - 77,000; Full time

Benefits offered by this job

Excellent bonus

Benefits package

Job summary

Montpellier Resourcing in London is seeking an experienced Senior Commercial Lending Officer to join a prestigious private bank’s Operations team. You will handle complex commercial facilities and act as senior reference for bespoke structures, liaising with Legal, Compliance and Credit Risk.

You will line manage one junior and help grow the team, maintain governance frameworks, monitor risk trends, and drive process improvements to ensure fair customer outcomes.

Qualifications

• 8+ years of hands-on commercial lending experience.
• Experience with complex and unique lending structures including commercial entities, commercial property and assets.
• Knowledge of debentures, collateral warranties and Section 106 agreements.
• Broad knowledge of complex security and lending structures (syndicated lending, mezzanine finance, intercreditor relationships).
• UK regulatory experience with FCA and PRA requirements.

Responsibilities

• Provide senior oversight on complex commercial lending cases and bespoke structures.
• Lead detailed lending assessments and design structures balancing customer needs and risk.
• Analyse financial information to assess affordability, risk and suitability.
• Work with legal documentation and liaise with commercial lawyers.
• Act as main internal liaison between Legal, Compliance and Credit Risk.
• Line manage a direct report and mentor team growth.
• Maintain governance and control frameworks for specialist lending.

Skills

Lending experience

Complex structures

Stakeholder management

Line management

Risk assessment

Education

CeMAP or equivalent

Degree level education

Job description

Up to £70,000 plus EXCELLENT bonus and benefits

Hybrid working available (3 days a week in the office)

A newly created opportunity has arisen for an experienced Senior Commercial Lending Officer to join the Operations team at a highly prestigious private bank, based in the heart of London. The bank's commercial lending book is growing quickly, and this role has been created to handle the cases that fall outside its standard lending. You will be the senior point of reference for complex and unusual commercial facilities, working closely with Legal, Compliance and Credit Risk. You will line manage one direct report, with scope for the team to grow.

Duties of the Senior Commercial Lending Officer to include:

• Provide senior specialist expertise and oversight on the bank's most complex commercial lending cases, including bespoke structures and non-standard facilities.
• Lead detailed lending assessments, designing and recommending structures for commercial entities, commercial property and unusual assets that balance customer needs, commercial objectives and prudent risk management.
• Analyse customer financial information, lending proposals and supporting documentation to assess affordability, suitability and risk.
• Work hands-on with legal documentation, including debentures, collateral warranties and Section 106 agreements, in close liaison with commercial lawyers.
• Act as the main internal point of contact between Legal, Compliance, Credit Risk and operational teams on complex cases.
• Line manage one direct report, with scope for the team to grow, coaching and supporting them while staying involved in casework.
• Maintain governance and control frameworks for specialist lending, identifying control weaknesses and emerging risks and driving remediation.
• Monitor complex lending activity and risk trends, escalating issues in line with internal policy.
• Prepare, review and present lending management information, risk reporting and thematic analysis.
• Drive process simplification and continuous improvement across lending processes.
• Ensure complex lending journeys are delivered fairly and transparently, with a strong focus on customer outcomes.

Requirements for the successful Senior Commercial Lending Officer to include:

• At least 8 years' lending experience, with hands-on commercial lending experience essential.
• Experience of complex and unique lending structures, including commercial entities, commercial property and assets that other lenders would not consider, such as industrial units.
• Working knowledge of the specifics of commercial lending, including debentures, collateral warranties and Section 106 agreements.
• Broad technical knowledge of complex security and lending structures, such as syndicated lending, mezzanine finance, intercreditor relationships and hedging arrangements.
• Private banking experience is highly advantageous.
• Line management or mentoring experience is essential.
• Regular day-to-day work with commercial lawyers and legal documentation (you do not need to be a qualified lawyer).
• A relevant industry qualification is essential (e.g. CeMAP or equivalent).
• Broad technical knowledge of lending documentation and loan security.
• Experience operating within the UK regulatory environment, with a strong understanding of FCA and PRA requirements applicable to lending.
• Proven ability to manage complex lending transactions and stakeholder relationships.
• Degree level education or a suitable equivalent is desirable.