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Private Client Lending Specialist
Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.
Private Client Lending Specialist
Key Relationships:
- Clients
- Relationship Managers
- Private Client Credit
- Group Credit
- Wider Private Client Team
- Legal
- Operations & Compliance
- Marketing
Mandatory Professional Qualifications:
Role Description:
The Private Client Lending Specialist is responsible for partnering with relationship managers to structure lending solutions that achieve optimal client and commercial outcomes. This role requires experience in engaging with clients to understand their needs, structuring deals with appropriate levels of risk assessment, and pricing accordingly.
Key Responsibilities:
- Deal Structuring and Client Interaction:
- Understand Private Client strategic outcomes and commercial objectives.
- Maintain in-depth knowledge of Investec's lending proposition, including product offerings and regulatory requirements.
- Engage with Relationship Managers and clients to understand their requirements and provide appropriate lending solutions.
- Credit Application Preparation:
- Prepare credit applications, loan, and mortgage agreements, ensuring accurate documentation across the lending process.
- Ensure compliance with Investec's policies and procedures regarding lending exposures.
- Performance Management:
- Meet performance outcomes set in your performance framework, both quantitatively and qualitatively.
- Continuously review performance to identify opportunities for improvement in speed, efficiency, and commercial outcomes.
- Data Management and Market Insights:
- Take ownership of client data and leverage CRM systems to drive performance.
- Stay informed about market trends and economic factors relevant to client interactions, especially in the mortgage market.
Core Skills, Knowledge, and Experience Required:
- Integrity and Fairness: Commitment to acting with integrity and treating clients fairly.
- Regulatory Knowledge: Understanding of applicable rules and regulations.
- Credit Processing Ability: Proficient in processing high volumes of credit/lending solutions within strict timelines.
- Financial Acumen: Ability to understand individual and corporate financial statements.
- Communication Skills: Strong interpersonal skills for effective client engagement.
- Time Management: Excellent attention to detail and problem-solving abilities.
- Motivation: Energetic self-starter motivated by client engagement and problem-solving.
- Commercial Acumen: Resilience and adaptability in a dynamic environment.
- Empathy and Emotional Intelligence: Ability to connect with clients on a personal level.
Additional Attributes (Preferred but Not Essential):
- Knowledge of UK mortgage markets and lending practices.
