Structured Finance Credit Director Enterprise Group Risk London, GB Published on July 28, 2023 in London - Shawbrook Bank

Job Overview

London, England
Job Type
Full Time
Date Posted
19 days ago

Additional Details

Job ID
Job Views

Job Description

Shawbrook is a specialist bank driven by a purpose to power up ingenuity to create opportunity, every single day.
We offer a diverse range of savings and loan products. From personal and business savings accounts and loans for weddings and new cars, to complex financial credit facilities for businesses requiring significant investment and mortgages for landlords with multiple properties – no two customers are ever the same.
We give our customers the best-of-both worlds; uniquely combining strong digital capabilities with human expertise and ingenuity to deliver the best outcomes. We rise to the challenge of a complex case or unconventional circumstances, and we love to make things happen. By being creative, practical, and personal, we know we can always find the right solution for our customers.
If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person
Work with us because you:
Want to be part of a bank built for the dynamics of the modern world
Relish a challenge and enjoy a fast-paced, innovative, and hardworking culture
Enjoy finding new and better ways to solve complexity and make things happen
Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
Care about society and the environment and want to be part of a business that cares too
Want to continue to grow professionally and be the best version of yourself
The Role & Responsibilities Promote Shawbrook values and good behaviour, fostering respect for other staff members, coherence within the Bank and a positive team spirit
Proactively seek development opportunities to enhance your knowledge and skills to operate effectively in support of Enterprise’s target markets and products. Stay abreast of developments in products, policies and procedures with a particular focus on Asset Based Lending product suite. Proactively contribute to the review of relevant credit policies, templates and procedures.
To collaborate in financial analysis, structuring and recommendation of new business proposals, annual reviews and in-life variations such that they are within the Bank’s credit policy / appetite and reflect any lessons learned from defaults or in-life portfolio activities. This includes:
Act as the ‘voice of Credit’ within the origination teams and contribute to building suitable structures for new business opportunities.
Work within the 1LOD team to develop a clear view of the risks of a transaction and possible mitigants
Coordinate 1LOD Deal Forums and contribute to Divisional Deal Forums. Liaise with 2LOD Credit / Credit Approval Committee to articulate and justify 1LOD recommendations (or otherwise) and deal with questions as appropriate.
Consider solutions or alternative structures to issues raised which balance risk and commercial judgement such that proposals should be supportable within the Bank’s stated Credit appetites, policies and guidelines.
As appropriate, support negotiations in order to secure acceptance of a mutually acceptable solution. This may require on-site visits throughout the UK.
Give feedback, coaching/mentoring & training with the focus on continuously improving the quality of credit proposals from the team
Support the execution of legal documentation of sanctioned new business facilities as required via the use of third-party lawyers. To lead negotiation of terms and liaise with 2LOD as needed for sign-off of any changes to conditions of sanction or amendments to standard wordings which lead to a change in risk profile.
Support new business conversion through support of colleagues in satisfying conditions precedent, liaising with colleagues, prospects, professional advisors and other lenders as appropriate. This includes review of any due diligence information received to ensure compliance with any conditions of sanction but also identify additional risks which may become apparent.
Contribute to workflow monitoring and to any agreed team SLAs and ensure the senior management team is aware of any connected resourcing or capacity issues.
Support the team with the management of Portfolio clients through ad-hoc requests and collegiate Portfolio reviews. Assist Business Support as needed in the review of Watch clients.
Where appropriate, participate in material defaults and recoveries including disseminating ‘lessons learned’.
The Person A proven track record in risk management with at least 5-7 years’ experience in a corporate lending environment
A comprehensive understanding of SME lending products with a particular focus on Asset Backed Lending (e.g. Invoice Discounting / Stock funding lines)
A commercial awareness with the ability to quickly identify specific key factors across a range of facilities and funding structures
Experience of leading deal discussions with senior stakeholders
Knowledge of underlying Compliance/Regulatory issues and applying bank-wide policies to all transactions/projects being worked on
Prior experience of ‘back to back’, ‘asset finance’, ‘commercial property’ and ‘club/syndication’ facilities an advantage but not essential
A sound understanding of the legal aspects of corporate lending and its security
Financial literacy in interpreting all forms of financial statements and forecasts.
Adaptable & Flexible
Excellent verbal and written communication skills
Ability to work as part of a team
Excellent planning and organisational skills
Enthusiastic self-starter with a “can do” attitude
Able to work under pressure and to tight deadlines and conflicting priorities
Reward Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:
Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
Free access to Headspace, a mindfulness & meditation digital health app
Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
Cycle to work scheme
Discounts on gym membership
Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.
Minimum of 27 days holiday per year
Option to buy or sell holiday days through our flexi-holiday scheme
Discounts on gym membership nationwide
Access to discounts on a range of high street and online brands
Community support and charitable giving
Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.
Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done


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