Grow with UTB

This is a hybrid role – 3 days in the office (City of London location) and 2 days working from home.

To generate and protect profits by developing and transacting new structured finance business and ensuring that risks are mitigated by the efficient structuring, management and control of the resultant loan portfolio and associated activities.

Responsibilities: 

New Business

• Liaising with Head of Department – Structured Finance and sales staff from other divisions, to generate and implement marketing and sales plans, including direct contact with potential customers, professional intermediaries, brokers etc.
• Analyse, negotiate and structure proposals so that you may recommend them to Credit Committee for approval
• Progress sanctioned proposals to drawdown with the help of the team’s underwriting, credit and completions team

Customers/Intermediaries

• Generate business through the Bank’s methods and own initiatives
• Maintain contact through meetings and client / site visits
• Encourage flow of renewal business where appropriate
• Maintain efficient and professional service, and good customer/banker relationship

Portfolio Management

• Responsibility for ongoing relationship and risk management
• Identification of risk situations and control of overdue loans
• Ensuring the timely conduct of loan reviews
• Liaison with Directors and/or Credit Committee, as appropriate

Security Perfection & Maintenance

• Close liaison with clients, solicitors, valuers and other professional advisers
• Monitoring adherence to loan offer terms
• Ensuring that security valuations and reports on title comply with the bank’s procedures and following up promptly any matters which do not meet the required standards
• General liaison with customers to resolve any issues outstanding and requiring attention

General Matters

• Efficient and accurate ongoing loan filing
• Guide, monitor, assist and train as necessary
• Any other matters required to be done to assist in the achievement of the Bank’s budget and business development plans, including any personal allocated performance objectives
• Credit and Administration tasks as required, to contribute to the effective and efficient operation of the Structured Finance Division

Skills and Experience Sought:

• Able to generate >£50m new business annually
• Build and maintain a portfolio of c30 – 40 projects / customers
• Interest in and knowledge of structured finance and commercial property market
• Proven banking knowledge and lending skills
• Possess a current database of clients and brokers
• Appreciation of legal matters likely to affect property development in a lending context

UTB is a dynamic and expanding specialist bank that provides solutions to our customers and brokers, which help them achieve their ambitions. Recognised as being one of the most dependable and well-respected Specialist Banks in the UK, we were delighted to see our balance sheet exceed the £2bn mark in 2022.

Exceptional customer service and the ability to provide rewarding deposits accounts and flexible lending solutions have helped us to develop productive and enduring relationships with our customers. We understand that their success is our success and that the quality of our people and teams, is key to delivering special outcomes for them.

We also understand that the performance of our people is directly linked to the culture in which they work. There is a strong sense of community at UTB and as well as promoting a clear set of internal values, and providing a wealth of facilities for training, personal development, and team building, we run a busy and varied calendar of engagement and social activity. Typical recent examples include: Pizza Lunch Days and Coffee Catch-ups; London Marathon and Sahara Challenge Sponsorships; Success Sharing and Value Awards; and Awesome Autumn social events ranging from Theatre Trips, Cocktail Mixology, and Cookery Classes, to Go-karting, Mini Golf and Clay pigeon shooting.

• Competitive Salary and Bonus package
• 26 Days Holiday
• 2 Wellbeing Days
• Contributory Pension
• Life Insurance / Income Protection / Critical Illness cover
• Private Medical Insurance
• Season Ticket Loans
• Excellent career development opportunities and where appropriate sponsorship of a relevant qualification

Thank you for your interest in our current vacancy. Please click the link below to complete your online application.

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