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At United Trust Bank, we believe that people achieve more together than alone. That’s why we’re dedicated to building great relationships, offering tailored solutions, and providing our clients and broker partners with the support they need to go further. This was true when we first opened our doors, and it’s still our approach today.
Our Structured Property Solutions team are looking to hire a Senior Deal Execution Officer who will assist and support the Relationship Management Team to complete and manage residential and commercial nonregulated loans.
This is a hybrid role working 3 days in the office (City of London location) and 2 days working form home.
Responsibilities:
Pre Drawdown:
- Liaise with customers / prospects / brokers and third-party professionals by phone, email etc. to progress deals in conjunction with the relevant RM, ensuring accurate notes are recorded in Aurius / Virtual Cabinet
- Undertake research and initial searches for new deals, input into Aurius, design and draft Memos, Reports , File Notes and any other paperwork as required
- Liaising with RMs to understand final deal / loan conditions approved in Credit Committee
- Liaise with BDD/RMs to prepare credit paper packs for weekly credit submissions in a timely manner
- Setting up file for completions when deals are sanctioned, undertaking all appropriate KYC/KYB/AML searches and liaising with RM for final sign off, assisting with satisfying loan conditions and flagging any issues to the appropriate RM in a timely manner
- Confident in engaging with bank’s financial crime/compliance team to deal with enhanced due diligence for AML
- Assisting the RM with the case management of the case to ensure the deals are progressing within the correct timescales and liaising with the broker, client (where appropriate) and third-party professionals to collate any information for drawdown
- Assisting with the sourcing of quotes from professionals and drafting of instruction letters to valuers, solicitors and asset managers
- Review and understand final credit paper and credit minutes to prepare Offer Letter
- Drafting of complex Offer Letters and Variation Letters
- Ensuring the case progress is kept up to date on Aurius, the WIP/cashflow is up to date and setting up the advance and fees for drawdown
- Maintain efficient and professional service, and good customer/banker relationship
Post Drawdown:
- Undertaking post completion checklist and “first check” signing off as case manager and producing customer Welcome Letter.
- Monitoring of loan conditions to include flagging to the RM upcoming conditions where their input is required, liaising with client to obtain relevant information to satisfy loan conditions, setting up and drafting memos and file notes, updating Aurius, amending master spreadsheet and VC’ing evidence of satisfied conditions
- Assist the RM with setting up and drafting memos for extensions/renewals/restructures
- Confident in producing Variation/Amendment Letters in line with Credit approvals for loan extensions and variation of loan terms
- Identification to RM of risk situations and overdue loans ensuring portfolio is adequately monitored
- Assist with initial review of Asset Manager / QS reports and assist the RM with works drawdowns to include setting up the tranche release form and processing the payment in Aurius
- Undertake first check of Extension Checklist and ensure all relevant amendments have been actioned and Aurius updated
- Ensure Portfolio Management adheres to the Bank’s Internal Processes and External Regulatory Framework
- Preparations of Redemption/Prepayment Statements and dealing with release of security as per bank’s procedures.
General Matters:
- Assist the Head of Department as and when required
- Assist Head of Operations as and when required
- Provide support and assist other members of the team as and when required (Sales, Relationship Management, Operations)
- Manage efficient and accurate file maintenance and account processing (Aurius and Virtual Cabinet)
- Assist rest of Operations team with day-to-day tasks, if required to cover workflow / absences etc.
- Adherence to SPF Credit Procedures and Lending Policies
- Undertake Specific Projects as and when required by the Team or the wider Bank
- Any other matters required to be done to assist in the achievement of the Bank’s budget and business development plans, including any personally allocated performance objectives
Equal Opportunity Statement
We're an equal opportunity employer, which means we'll consider all suitably qualified applicants regardless of gender identity or expression, ethnic origin, nationality, religion or beliefs, age, sexual orientation, disability status or any other protected characteristic. We recruit and develop our people based on merit and we're committed to creating an inclusive environment for all employees. During the application process, you will be asked to complete an equality questionnaire on a voluntary basis and any data we collect will be treated confidentially and used for evaluation purposes. This will be for a period of 6 months or longer with your permission. This helps us understand our applicants so we can make sure we are doing everything we can to attract a diverse range of people and ensure our recruitment processes are fair and inclusive.
