Lending Manager

LHV UK is a leading banking services provider to over 200 fintech companies, including Paysafe, Blockchain, Currencycloud, Coinbase, Trustly, Monese and Wise. Its clients vary from fintech unicorns an

LHV UK is a leading banking services provider to over 200 fintech companies, including Paysafe, Blockchain, Currencycloud, Coinbase, Trustly, Monese and Wise. Its clients vary from fintech unicorns and digital asset companies to established financial institutions with a global reach. LHV UK offers several innovative banking services, including instant EUR and GBP payments, agency banking, virtual IBANs, safeguarding accounts, multicurrency accounts, and FX.

LHV UK is the founding member and leader in instant EUR payments, processing 8% of the total transactions in Europe. Its clients reach 500 million end-customers in the UK and Europe by making and collecting payments. In February 2022, LHV UK submitted its full UK banking license application, which is subject to regulatory approval by the Prudential Regulatory Authority and Financial Conduct Authority.

We are currently seeking an experienced Lending Manager to join our Relationship Management Team in Manchester. The role will be to support the end-to end lending processes though the customer journey, from onboarding through to loan completion.

Please note…This is a Manchester based role that will require you to be in our Manchester office 2-3 days a week.

Key Responsibilities

  • Manage the pipeline and diary, taking responsibility for ensuring the smoothest of customer journeys and communicating effectively throughout
  • Supporting Lending Directors with the writing of credit reports (including detailed financial analysis) to develop appropriate solutions
  • Liaising with brokers regarding our customers, obtaining quotes and dealing with queries
  • Liaising with LHV’s solicitors, maintaining good working relationships and working collaboratively to deliver a good service for our customers
  • Supporting prospective customers with the LHV onboarding process. This will include capturing all the Know Your Business (KYB) and Know Your Customer (KYC) information.
  • Establishing a strong working relationship with the Credit team and other internal departments.
  • Monitor account portfolios, supporting the Lending Director in managing the overall credit risks and any irregular performance in line with the Credit Policy
  • Drive the lending pipeline in a timely and effective way, working collaboratively with the wider team
  • Retaining clients by dealing with day to day enquiries and maintaining a strong commercial approach to the portfolio
  • Developing and maintaining strong customer relationships, driving continuous improvement with a view to building long-lasting relationships
  • Ensure regulatory and risk adherence at all times, ensuring positive customer outcomes are at the forefront of how you operate
  • Develop & promote LHV’s reputation as an active, creative lender in the SME market
  • Support the delivery of the strategic objectives including delivery of income, strong customer advocacy and risk metrics

Required Skills & Experience:

  • Proven relationship management /support experience within a Business / Commercial Bank environment
  • Experience of working with Brokers and other Intermediaries with access to SMEs
  • Knowledge and experience of either Trading Business Secured Lending or Real Estate Secured Lending
  • Some credit report writing skills and experience
  • Commercial awareness, in relation to the external competitive market but also the requirements and flexibility required of working within an SME organisation
  • Strong Microsoft skills – PowerPoint, Excel & Word
  • Excellent organisational skills and good attention to detail
  • Strong administration skills
  • Ability to manage own workload and work on own initiative
  • Excellent verbal and written communication skills
  • Numerate
  • Ability to maintain and develop good working relationships
  • Able to work effectively as part of a team

Some of our benefits

  • Competitive salary & progression
  • Open and inclusive culture
  • Hybrid working
  • Fantastic offices and great working environment
  • Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)
  • Medicash health plan (Level 3)
  • 5% employer pension contribution
  • Life assurance
  • Income protection insurance
  • 28 days holiday plus 3 additional days, bank holidays & further days for various key life events
  • Team socials

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