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About us:
Fiduciam is an innovative, fast-growing fintech lender revolutionizing bridging and development loans. Backed by top-tier institutional investors, we're expanding rapidly across the UK, Ireland, Netherlands, Germany and Spain. Our dynamic team is on a mission to transform real estate lending, underpinned by cutting-edge technology. For our growing German business we are seeking a German ‘Lending & Development Analyst’ to join the team in London. Learn more at www.fiduciam.co.uk.
Why join our team?
- Join a proven fintech pioneer entering rapid expansion mode having established a successful ten-year track record;
- Partner directly with visionary founders and help shape our future;
- Accelerate your career trajectory in a high-impact role;
- Be part of an elite team, whose principals have launched multiple successful platforms across financial services, and are proven innovators;
- Earn a competitive compensation package with private medical insurance, within a privately owned company whose leaders are passionate about investing in people and infrastructure for the long term;
- Make your mark as we scale across Europe and beyond.
Your mission:
You'll be the driving force behind growing our lending portfolio in Germany by underwriting new loan applications. You will assess loans on their merits, make underwriting decisions as to whether applications proceed to offer. You will also assist in overseeing an existing loan portfolio. You will report directly into the Head of Germany.
In this role, you will:
- Conduct financial analysis and due diligence of a wide variety of businesses in Germany;
- Analysing key items such as financial accounts, property valuations, credit searches, bank statements, and business appraisals to make informed lending decisions;
- Analysing construction/development budgets and appraisals;
- Pricing loans and determining terms, considering relevant risk and liquidity factors;
- Preparing and issuing loan offers;
- Preparing detailed and analytical credit review papers and presenting the papers to credit committee;
- To protect the company by having a good grasp of its policies, procedures and compliance guidelines and by having a good awareness of risk;
- Owning your own loan book, assuring high standards of service and risk management;
- Partner closely with the Country Manager, Case Managers, solicitors, valuers and surveyors; and
- Play an integral part in scaling Fiduciam to multi-billion success.
About you:
- Preferably two years or more of underwriting experience in the bridging, development or commercial lending sector;
- A knowledge of the German property market;
- A good understanding of assessing credit risk on loan applications, borrowing structures, RICS valuations, land registry records, reports on title and conveyancing and credit reports;
- Good writing, analytical and numerical skills;
- Highly organised, dedicated, and perform with attention to detail;
- A university degree with solid results (preferably in law, business or economics);
- Hands-on, motivated and proactive;
- An excellent communicator both written and verbal in English and German;
- Eager to learn and push your boundaries in a growing company;
- Enjoy working in an international environment;
- Proficient in Microsoft Office tools;
- Eligible to work in the UK.
What's in it for you:
- Unparalleled exposure working alongside seasoned finance veterans;
- Opportunity to lead and elevate the German client-driven business;
- Competitive compensation, including private medical insurance;
- Visa sponsorship available for top talent;
- An opportunity to accelerate your career by assuming a lot of responsibility in a meritocratic environment with little hierarchy and good intra-company career perspectives;
- Convenietly located office in the heart of London's vibrant fintech scene; and
- Rapid career growth potential as we scale globally.
We are looking for someone with a good work ethic, plenty of enthusiasm and a personality that will fit within our diverse team. If interested, please send us your CV and cover letter to [email protected].
