Grow with UTB

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

Role Purpose

The role will be responsible for working alongside the Sales Team to support the process of obtaining credit sanction and the completion of all formalities to facilitate the drawdown of more complex new lending facilities. It is also responsible for supporting the Head of Deal Execution in providing guidance to more junior members of the Deal Execution Team

Key Responsibilities

• Assist the Sales Team in finalising and presenting more complex credit proposals, in accordance with the Bank’s credit policy, credit risk appetite and credit process
• Liaise with Credit Department on any matters that might require their input ahead of any wider discussion, feeding back as necessary to the Sales Team and the Director of SPS. This is to ensure a high standard of underwriting and establishing whether residual credit risks will result in a decline, ahead of significant work being undertaken.
• Ensure that the offer letter has been properly accepted by the Borrower.
• Negotiate and communicate with valuers, solicitors and other professional advisers to ensure that they will carry out the Bank’s instructions in a compliant and timely manner.
• Seek and obtain regular feedback from the Head of Structuring and Deal Execution during 1-21s, requesting additional guidance, support and coaching as necessary.

Skills and Experience 

• Very strong credit risk skills and credit risk experience
• Strong organisational skills combined with the ability to multi-task.
• A good understanding of both commercial and residential property
• Experience in structuring and understanding complex loans across these sectors

Equal Opportunities

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.

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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