Senior Complex Lending Specialist – Hybrid

Montpellier Resourcing; Greater London; Hybrid; GBP 75,000 - 91,000; Full time

Benefits offered by this job

Hybrid work arrangement

Excellent bonus potential

Private bank exposure

Job summary

Montpellier Resourcing is recruiting on behalf of a prestigious private bank in central London for a Commercial Lending Specialist. The role focuses on complex and bespoke facilities outside standard lending, with you acting as senior reference point and line manager for a small team.

You will work closely with Legal, Compliance and Credit Risk to maintain governance, handle complex lending structures, monitor risk, and drive continuous improvement while ensuring customer outcomes in a hybrid

Qualifications

• At least 8 years' lending experience with hands-on commercial lending.
• Experience of complex and unique lending structures.
• Knowledge of debentures, collateral warranties and Section 106 agreements.
• Experience with sophisticated lending documentation and security.
• Private banking experience is advantageous.
• Line management or mentoring experience is essential.
• Work with commercial lawyers and legal documentation.
• Industry qualification such as CeMAP or equivalent is essential.

Responsibilities

• Provide senior specialist oversight on complex commercial lending cases.
• Lead lending assessments and design structures for entities, property and unusual assets.
• Analyse financial information to assess affordability and risk.
• Engage with legal documentation and coordinate with Legal, Compliance and Credit Risk.
• Act as the main internal liaison between Legal, Compliance and operational teams.
• Line manage a direct report and grow the team as needed.
• Maintain governance frameworks and drive remediation of control weaknesses.
• Prepare and present lending management information and risk analysis.
• Drive process simplification and ongoing improvements in lending processes.
• Ensure customer outcomes are fair and transparent.

Skills

Large lending experience

Complex lending structures

Private banking exposure

Line management

CeMAP or equivalent

UK FCA/PRA knowledge

Stakeholder management

Legal documentation familiarity

Education

Degree level education or equivalent

CeMAP or equivalent qualification

Job description

Montpellier Resourcing is recruiting on behalf of a prestigious private bank in central London for a Commercial Lending Specialist. The role focuses on complex and bespoke facilities outside standard lending, with you acting as senior reference point and line manager for a small team.

You will work closely with Legal, Compliance and Credit Risk to maintain governance, handle complex lending structures, monitor risk, and drive continuous improvement while ensuring customer outcomes in a hybrid