Debt Finance Director — Real Estate & Trading

OakNorth; Greater London; On-site; GBP 120,000 - 180,000; Full time

Benefits offered by this job

Equity

25 days holiday

Private medical insurance

Enhanced maternity and paternity leave

Wellbeing and Barista Bar in London

Volunteering time off

Salary sacrifice schemes

Job summary

OakNorth in London is seeking a front-office Director to originate, structure, and execute lending transactions across trading businesses and real estate, from initial conversation to credit approval.

You will manage client relationships with SMEs, advisers, and sponsors, build financial models, and produce high-quality credit papers, while driving product innovation and maintaining asset quality.

Qualifications

• In-depth understanding of SME lending, real estate, and trading businesses, with strong credit, financial analysis, and modelling skills — including the ability to write structured, high-quality credit papers
• Experience in analysing senior, stretched senior, and mezzanine cashflow unsecured transactions, and presenting credit cases to a credit committee
• Excellent communication and customer-facing skills, with a good understanding of business strategy, banking products, and IFRS 9; degree in Finance, Commerce, or equivalent

Responsibilities

• Originate, structure, and execute transactions that meet OakNorth's lending requirements across trading businesses, real estate, and operational real estate
• Manage and further develop existing customer relationships, while identifying new opportunities and building OakNorth's profile with SMEs, KBIs, advisors, and private equity firms
• Spread financial accounts, build financial models, and prepare high-quality credit memorandums — including forecasted cash flows and sensitivities to assess debt capacity and repayment
• Structure transactions appropriately and present full credit reports to the sanctioning authority, ensuring documentation is in accordance with credit-approved terms
• Drive innovation in the product proposition to improve customer experience while maintaining asset quality, and meet team and individual targets set by OakNorth ExCo, CEO, and the Board

Skills

SME lending

Credit analysis

Financial modelling

IFRS 9 knowledge

Client communication

Education

Finance degree

Job description

OakNorth in London is seeking a front-office Director to originate, structure, and execute lending transactions across trading businesses and real estate, from initial conversation to credit approval.

You will manage client relationships with SMEs, advisers, and sponsors, build financial models, and produce high-quality credit papers, while driving product innovation and maintaining asset quality.