Structured Lending Assistant Manager

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

Up to £83,000 plus EXCELLENT bonus and benefits

Hybrid working available (3 days a week in the office)

A newly created opportunity has arisen for an experienced Commercial Lending Specialist to join the Operations team at a highly prestigious private bank, based in the heart of London. The bank's commercial lending book is growing quickly, and this role has been created to handle the cases that fall outside its standard lending. You will be the senior point of reference for complex and unusual commercial facilities, working closely with Legal, Compliance and Credit Risk. You will line manage one direct report, with scope for the team to grow.

Duties of the Commercial Lending Specialist to include:

• Provide senior specialist expertise and oversight on the bank's most complex commercial lending cases, including bespoke structures and non-standard facilities.
• Lead detailed lending assessments, designing and recommending structures for commercial entities, commercial property and unusual assets that balance customer needs, commercial objectives and prudent risk management.
• Analyse customer financial information, lending proposals and supporting documentation to assess affordability, suitability and risk.
• Work hands-on with legal documentation, including debentures, collateral warranties and Section 106 agreements, in close liaison with commercial lawyers.
• Act as the main internal point of contact between Legal, Compliance, Credit Risk and operational teams on complex cases.
• Line manage one direct report, with scope for the team to grow, coaching and supporting them while staying involved in casework.
• Maintain governance and control frameworks for specialist lending, identifying control weaknesses and emerging risks and driving remediation.
• Monitor complex lending activity and risk trends, escalating issues in line with internal policy.
• Prepare, review and present lending management information, risk reporting and thematic analysis.
• Drive process simplification and continuous improvement across lending processes.
• Ensure complex lending journeys are delivered fairly and transparently, with a strong focus on customer outcomes.

Requirements for the successful Commercial Lending Specialist to include:

• At least 8 years' lending experience, with hands-on commercial lending experience essential.
• Experience of complex and unique lending structures, including commercial entities, commercial property and assets that other lenders would not consider, such as industrial units.
• Working knowledge of the specifics of commercial lending, including debentures, collateral warranties and Section 106 agreements.
• Broad technical knowledge of complex security and lending structures, such as syndicated lending, mezzanine finance, intercreditor relationships and hedging arrangements.
• Private banking experience is highly advantageous.
• Line management or mentoring experience is essential.
• Regular day-to-day work with commercial lawyers and legal documentation (you do not need to be a qualified lawyer).
• A relevant industry qualification is essential (e.g. CeMAP or equivalent).
• Broad technical knowledge of lending documentation and loan security.
• Experience operating within the UK regulatory environment, with a strong understanding of FCA and PRA requirements applicable to lending.
• Proven ability to manage complex lending transactions and stakeholder relationships.
• Degree level education or a suitable equivalent is desirable.