Lending Director

Enra Specialist Finance; Watford; On-site; GBP 90,000 - 150,000; Full time

Benefits offered by this job

Private medical healthcare

25 days' annual leave

Volunteer days

Job summary

West One Loans is seeking an experienced Development Finance professional to originate opportunities, build strong relationships with developers and brokers, and take ownership of a growing lending portfolio.

The role emphasizes commercial judgment, risk assessment, and managing the full lifecycle of development finance facilities—from origination through drawdowns to redemption and ongoing portfolio performance.

Qualifications

• Proven track record in development finance origination and loan portfolio management.
• Strong communication skills with borrowers, brokers, and internal credit teams.
• Experience presenting credit papers to credit committees and senior management.

Responsibilities

• Generate new development finance opportunities by building relationships with developers, brokers, and property professionals.
• Originate and structure development finance opportunities and oversee underwriting and credit processes.
• Manage drawdowns and redemptions to ensure performance of the loan portfolio.
• Scale and lead a team to hit origination targets and portfolio growth.
• Adapt duties as needed to align with department needs.

Skills

Development finance

Relationship management

Portfolio management

Credit underwriting

Stakeholder communication

Job description

Are you an experienced Development Finance professional who thrives on originating new opportunities, building strong relationships and taking ownership of your lending portfolio?

Do you have a proven track record within development finance and enjoy working in a fast-paced specialist lending environment where commercial judgement, risk and relationship management are key?

If you're ready to take the next step in your career and play a key role in growing and managing a development finance portfolio, this could be the perfect opportunity. Apply today and let's grow together at West One Loans.

Key Accountabilities

The underlying learns and responsibilities of the Lending Director will consist of:

• Generating new development finance opportunities by building new relationships and managing existing relationships with developers, broker/intermediaries and property professionals.


• Originating and structuring development finance opportunities that you will generate.


• You will be responsible for managing the underwriting and credit process of completing new development finance opportunities.


• You will then be responsible for managing the drawdowns and redemptions of the facilities that are originated ensuring that the portfolio of loans is consistently performing.


• You will have responsibility to grow out or manage a team around you to assist you in hitting the proposed origination targets and to effectively manage the portfolio of loans.

This list is not exhaustive and the duties are liable to change from time to time in line with the needs of the department.

Skills & Competencies

• Having a strong established track record of originating development finance opportunities and managing a portfolio of loans is essential.


• Great communication skills essential for dealing with borrowers and brokers/intermediaries.


• Presentation of credit papers to the credit committee and senior management.


• Ability to work in a fast paced environment in a role that requires you to deal with a wide range of stakeholders.

Knowledge & Qualifications

• Knowledge in reviewing development appraisals and structuring development finance facilities.


• Knowledge of the credit underwriting process including the legal process, reviewing valuation and monitoring surveyor reports.

Personal Attributes

• Team player


• Proactive


• Logical and organised


• Problem solver


• Approachable


• Hard working


• Flexible


• Articulate


• Calm and self-assured

Why Join Us?

At West One Loans, we're growing fast and looking for ambitious people who want to be part of our exciting journey. We'll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.

Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days' annual leave, paid volunteering days, and a host of additional benefits.