Lending Documentation Officer

MW Recruitment Limited; Greater London; On-site; GBP 65,000 - 90,000; Full time

Benefits offered by this job

Discretionary bonus

Competitive package

Job summary

MW Recruitment Limited is seeking an experienced Credit Documentation professional for an established international bank in London. The role focuses on reviewing and documenting lending facilities after credit approval, ensuring legal enforceability and compliance before drawdown.

You will work with LMA Facility Agreements, security documents, and Conditions Precedent, liaising with external counsel and internal teams to manage risks and maintain accurate credit files.

Qualifications

• Degree in Law or equivalent legal qualification.
• Minimum 3 years in Legal/Banking & Finance focused on loan/documentation.
• Experience with corporate banking and LMA documentation desirable.
• Strong knowledge of UK corporate law and security creation.
• Excellent attention to detail and stakeholder management.
• Experience with syndicated lending advantageous.

Responsibilities

• Review and draft lending doc including LMA Facility Agreements and security documents.
• Ensure documents reflect approved credit terms and internal policies.
• Review Conditions Precedent and director certificates.
• Assess borrowers' capacity and authority before drawdown.
• Escalate non-standard issues with internal teams.
• Coordinate with external counsel and maintain credit files.
• Support reporting and departmental projects.

Skills

Legal drafting

Attention to detail

Stakeholder management

Negotiation

Education

Law degree

Tools

LMA documentation

Job description

An established international bank is looking to appoint an experienced Credit Documentation.

This is a hands on role with responsibility for reviewing and assessing lending and security documentation following credit approval, ensuring facilities are appropriately documented, legally enforceable and compliant with approved credit conditions before drawdown.

The role will suit someone with a strong banking and finance legal/documentation background, particularly experience with LMA documentation, bilateral and syndicated lending, security documents and conditions precedent.

Key Responsibilities

• Review and draft lending documentation including LMA Facility Agreements, Guarantees, Debentures, Legal Charges, Intercreditor Agreements and Conditions Precedent documentation.
• Ensure proposed lending documentation accurately reflects approved credit terms and the bank's internal policies.
• Review legal Conditions Precedent including Board Resolutions, Director Certificates, constitutional documents and legal opinions.
• Assess whether borrowers have the appropriate capacity and authority to enter into transactions prior to drawdown.
• Review security and collateral arrangements to ensure security interests are appropriately structured, enforceable and capable of being perfected.
• Identify documentation and legal risks including covenant wording, Events of Default, cross-default provisions and other non-standard terms.
• Negotiate key documentation clauses from the lender's perspective while balancing commercial objectives with appropriate legal and credit risk protection.
• Act as a key point of contact for external legal counsel on transaction documentation.
• Work closely with Credit Risk, Corporate Banking, Institutional Banking and Front Office teams, escalating complex or non-standard documentation issues where appropriate.
• Maintain accurate credit files and ensure documentation is appropriately verified, stored and archived.
• Support reporting, documentation reviews and wider departmental projects as required.

Experience Required

• Degree in Law or equivalent legal qualification/practical legal experience.
• Minimum 3 years' experience within Legal, Banking & Finance, with a strong focus on loan/credit documentation.
• Experience gained within a corporate or commercial banking environment is highly desirable.
• Strong knowledge of LMA standard documentation.
• Good understanding of UK corporate law and the creation and perfection of security.
• Experience reviewing complex lending and security documentation from a lender's perspective.
• Excellent attention to detail with the confidence to identify and challenge documentation risks.
• Strong organisational and stakeholder-management skills.
• Previous exposure to syndicated lending, project finance and/or commercial real estate finance would be advantageous.

This is an excellent opportunity for an experienced banking documentation professional to take ownership of a broad range of corporate lending transactions within an established international banking environment.

In return you can expect a competitive salary, package and discretionary bonus.

Please note this role is office based 5 days per week