Assistant Lending Manager (Partner Lending) in Stirling - St. James's Place

Job Overview

Stirling, Scotland
Job Type
Full Time
Date Posted
3 days ago

Additional Details

Job ID
Job Views

Job Description

Assistant Lending Manager (Partner Lending)

Location: Hybrid Cirencester/Remote home working available (min 2 days p/wk in Cirencester)

This key role is required to assist with the credit assessment and underwriting of loans to SJP Partners. Previous experience in lending/financial services is required and the ability to interpret and analyse financial information and data is critical. This person will assist with the preparation and presentation of complex credit applications and have responsibility for reviewing and checking loan agreement documentation prepared by colleagues.

Maintain & manage fast moving loan pipeline (through all stages) from initial request to draw down.
Act as initial contact point for all New Lending related queries received from within Partner Finance, Head Office and the wider Partnership.
To deliver responsible lending in accordance with SJP Credit & Collections Policy including CCA
Regulations whilst monitoring productivity and Quality Service standards.
Region South West and Central Location Cirencester Department Partner Finance Operations Hours Full time Type Permanent Closing Date 27/05/2022
What you’ll be doing:  

Use sound judgement to approve new lending requests and technical understanding to ensure the outcome delivers responsible lending that supports the growth of Partner businesses.
Responsible for maintaining the lending pipeline to ensure cash flow operates within lending targets and that there is sufficient opportunity to review proposed new lending and issue the required documentation ahead of draw down deadlines.
Consult with Partners and Field Management, working with all parties to reach best decisions around new lending/refinancing. Agree and approve new restructure terms.
Ability to discuss and provide guidance on new lending requests with Partners, FMT and senior management. Confident to give face to face presentations on this specialist subject.
Undertake liaison with SJP legal department in relation to bespoke lending documentation to ensure compliance where appropriate with CCA Regulations and Company regulation.
Line management for more junior team members supporting them to provide operational excellence whilst maintaining a right first time approach to BAU.

Who we’re looking for:

Previous experience in lending/financial services including all types of lending entities.
Ability to interpret and analyse financial information/data provided as part of the approval process.
Studying towards a professional qualification in finance/banking preferable.
Broad understanding of how lending and Partner finance impacts SJP as a whole.
Effective liaison with third party providers.
Thorough understanding of lending and underwriting process whilst keeping up to date with relevant regulatory and compliance changes.
Ability to work within a lending framework and make decisions on a case to case basis having analysed the Partners’ personal finances and accounts.
Initiative and personal judgement to understand bespoke complex lending.
Ability to offer guidance to less experienced team members.
Effective interaction with the Partnership, FMT and external Banks.
Effective communication with multiple internal stakeholders/departments.
Tactful and diplomatic communication skills.
Self-motivated and able to work alone and in a team.
Adaptable communication style to suit audience, professional at all times.

Professional qualification(s) in banking / financial services desired but not essential.

Special Requirements:

There may be a requirement to make appropriate field visits out of hours to meet with Partners and Third Parties.

The individual must be able to travel if required, as well as to be flexible around working hours as and when required by the company.


Flexible Working

We know that everyone works best in different ways, at different times and in different environments. We value all of our employees and appreciate that everyone is different, and at different stages within their career. Recognising this, we have introduced a hybrid working policy to provide greater flexibility for part-time work, job-sharing, remote working, and flexibility on hours. Our people are encouraged to work in a flexible way that suits their lifestyle, so please ask the question and start a conversation!

Research tells us that applicants (especially those from underrepresented groups) can be put off from applying for a role if they do not meet all the criteria, or have been on an extended career-break. If you think you would be a good match for this role and can demonstrate some transferable experience please apply, regardless of whether you tick every box.

Our Rewards

In addition to an attractive salary, you will also receive an excellent benefit package including:

Non-Contributory Pension – 10% (increasing with length of service) with further pension matching 
*Meaningful protection benefits with real value, such as 10X life cover, PHI, and critical illness.
Best in class terms and conditions including 6 months paid maternity and paternity leave.
Private Medical and Dental Insurance 
28 days holiday entitlement increasing with length of service (based on full-time equivalent) with the option to buy an additional up to 5 days
Discretionary bonus scheme dependent on company and personal performance, varied by level

*Not applicable to fixed term contracts (standard uplift applies in lieu of these benefits)

Our Culture

Our culture is the glue that binds us together - It’s one of our biggest assets and one of the biggest reasons for our success. It’s underpinned by core values of doing the right thing, being the best version of ourselves and investing in long term relationships.

We want to embrace diverse backgrounds and experiences to connect with clients, solve problems and innovate. We raise our voice on the things that matter to us and drive change from the front. Contributing to our inclusive culture is vital, ensuring a space for everyone to be their authentic self, no compromises.

In all we do, we consider how our work affects the communities in which we belong. Over 96% of our group employees are involved in supporting our communities through financial education, charitable giving and volunteering. Over 80% of all our employees and Partners donate each month to our Charitable Foundation, which is now the 3rd largest corporate charity in UK.

SJP are delighted to have signed The Armed Forces Covenant, and we are active members of LGBT Great, 30% club, The Diversity Project, Disability Confident and more! Find out more:

Our Awards

We understand it’s important to be proud of the company you work for, that’s why we’re proud to share with you some of our recent awards:
Wealth Manager of the Year – Growth Investor Awards 2021 Best Wealth Manager – Shares Awards 2021 Championing LGBTQ Inclusion - Financial Adviser Diversity in Finance Awards 2020 Top 75 Employer - Social Mobility Foundation Employer Index 2021
To find out more visit:


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