Lending Director

West One Loans; Watford; On-site; GBP 60,000 - 120,000; Full time

Benefits offered by this job

Private medical healthcare

25 days' annual leave

Paid volunteering days

Job summary

West One Loans is seeking an experienced Development Finance professional to originate opportunities, build robust relationships with developers and intermediaries, and take ownership of the lending portfolio. The role emphasizes strong commercial judgement, credit processes, and portfolio performance in a fast-paced environment.

You will originate and structure opportunities, oversee underwriting, and manage drawdowns and redemptions.

Qualifications

• Proven track record in originating development finance opportunities with a portfolio of loans.
• Strong ability to manage relationships with developers, brokers and property professionals.
• Experience presenting credit papers to credit committees and senior management.
• Ability to work in a fast-paced specialist lending environment with multiple stakeholders.

Responsibilities

• Generate new development finance opportunities and manage existing relationships.
• Originate and structure development finance opportunities you generate.
• Lead underwriting and credit process for new development finance deals.
• Manage drawdowns and redemptions to ensure portfolio performance.
• Grow or manage a team to hit origination targets and support loan portfolios.

Skills

Origination & portfolio management

Relationship management

Credit underwriting

Commercial judgement

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.

Key Accountabilities

• 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.

At Enra we believe that working together collaboratively is the best way to serve our customers and develop our colleagues. We are very focused on developing and maintaining our culture and remaining dedicated to the CREDIT values on which Enra was built: Customers, Results, Energy, Development, Invention and Teamwork.

We live and breathe these values every day and want to ensure they underpin our future success. So, if you want to build a career in specialist finance, with an employer focused on providing brilliant customer service, lending responsibly, and creating a great office environment to develop its people, then look no further than Enra.