Private Client Lending Specialist (11983) | London, UK

Investec; London; Hybrid; GBP 50,000 - 75,000; Full time

Job summary

Investec is seeking a Private Client Lending Specialist in London focusing on mortgage lending solutions. The role involves collaborating with Relationship Managers to meet clients' needs and structuring deals. Ideal candidates will have strong communication skills and a commitment to treating clients fairly.

Benefits

Wellbeing Subsidy

Corporate Gym Membership

Optional Private Medical & Dental Insurance

Non-contributory Pension

Discretionary Bonus

Life Assurance

Travel Season Ticket Loan

Qualifications

• Experience in private client lending and mortgage solutions.
• Understanding of regulatory requirements and lending policies.
• Strong client engagement with the ability to structure deals.

Responsibilities

• Partner with relationship managers to structure lending solutions.
• Prepare credit applications ensuring compliance with policies.
• Engage with clients to understand their needs and provide solutions.

Skills

Integrity

Communication Skills

Financial Acumen

Time Management

Commercial Acumen

Empathy

Education

CeMap

Job description

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Job Specification: Private Client Lending Specialist

Key Relationships:

• Clients
• Relationship Managers
• Private Client Credit
• Group Credit
• Wider Private Client Team
• Legal
• Operations & Compliance
• Marketing

Mandatory Professional Qualifications:

• CeMap

Role Description:

The Private Client Lending Specialist is responsible for partnering with relationship managers to structure lending solutions that achieve optimal client and commercial outcomes. This role requires experience in engaging with clients to understand their needs, structuring deals with appropriate levels of risk assessment, and pricing accordingly. This Role is focused on Regulated and BTL Mortgage Lending.

Key Responsibilities:

• Deal Structuring and Client Interaction:
  
  • Understand Private Client strategic outcomes and commercial objectives.
  • Maintain in-depth knowledge of Investec's lending proposition, including product offerings and regulatory requirements.
  • Engage with Relationship Managers and clients to understand their requirements and provide appropriate lending solutions.
• Credit Application Preparation:
  
  • Prepare credit applications, loan, and mortgage agreements, ensuring accurate documentation across the lending process.
  • Ensure compliance with Investec's policies and procedures regarding lending exposures.
• Performance Management:
  
  • Meet performance outcomes set in your performance framework, both quantitatively and qualitatively.
  • Continuously review performance to identify opportunities for improvement in speed, efficiency, and commercial outcomes.
• Data Management and Market Insights:
  
  • Take ownership of client data and leverage CRM systems to drive performance.
  • Stay informed about market trends and economic factors relevant to client interactions, especially in the mortgage market.

Core Skills, Knowledge, and Experience Required:

• Integrity and Fairness: Commitment to acting with integrity and treating clients fairly.
• Regulatory Knowledge: Understanding of applicable rules and regulations.
• Credit Processing Ability: Proficient in processing high volumes of credit/lending solutions within strict timelines.
• Financial Acumen: Ability to understand individual and corporate financial statements.
• Communication Skills: Strong interpersonal skills for effective client engagement.
• Time Management: Excellent attention to detail and problem-solving abilities.
• Motivation: Energetic self-starter motivated by client engagement and problem-solving.
• Commercial Acumen: Resilience and adaptability in a dynamic environment.
• Empathy and Emotional Intelligence: Ability to connect with clients on a personal level.

Additional Attributes (Preferred but Not Essential):

• Knowledge of UK mortgage markets and lending practices.

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.

Here is a selection of what we offer;

Wellbeing

Wellbeing Subsidy, Corporate Gym Membership, Virtual GP, Peppy Health App (Fertility, Menopause and Early Parenthood), Optional Private Medical & Dental Insurance

Monetary

Non-contributory Pension & Discretionary Bonus

Life & Income Protection

Life Assurance, Critical Illness & Income Protection

Travel

Season Ticket Loan & Electric Vehicle Scheme

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.

Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same - if the role excites you, please don't let our person specification hold you back. Get in touch!

Recite Me

We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages. This can be accessed by clicking on the 'Accessibility Options' link at the top of the page.

The Recite Me tool includes a screen reader, styling and customisation options, a series of reading aids, a translator and more.

If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at [email protected] who will be happy to assist.

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