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- Tasks: Lead loan origination and portfolio management while ensuring compliance and efficiency.
- Company: Join a top independent bridging finance provider in the UK, known for flexibility and speed.
- Benefits: Enjoy competitive salary, professional development opportunities, and a collaborative team environment.
- Why this job: Make impactful lending decisions and foster a positive team culture in a dynamic industry.
- Qualifications: Experience in loan origination and portfolio management with strong leadership and analytical skills required.
- Other info: Stay ahead of industry trends and work with diverse stakeholders to enhance operational efficiency.
The predicted salary is between 60000 - 84000 £ per year.
We are working with a leading independent bridging finance provider based in the United Kingdom. With a strong presence in the market, they specialise in offering fast and flexible bridging loans and buy-to-let mortgages.
The Head of Loan Management will be responsible for overseeing the loan origination and portfolio management processes, ensuring the efficient and profitable operation of lending activities. This position requires a deep understanding of lending principles, strong leadership skills, and the ability to make sound credit decisions.
Key Responsibilities:- Loan Origination & Underwriting
- Loan Portfolio Management
- Team Leadership and Development
- Relationship Management
- Process Improvement and Risk Mitigation
Role overview:
- Evaluate the creditworthiness of borrowers, analyzing financial statements, credit reports, and other relevant information.
- Make informed lending decisions, balancing risk and profitability considerations.
- Oversee the management and administration of the loan portfolio, ensuring compliance with internal policies and regulatory requirements.
- Monitor loan performance, review portfolio quality, and develop strategies to minimize credit risk.
- Implement strategies for loan collections and delinquency management.
- Conduct periodic portfolio reviews and make recommendations for portfolio adjustments as necessary.
- Provide leadership and guidance to the loan origination and portfolio management teams.
- Set performance targets and provide ongoing coaching and feedback to team members.
- Foster a positive and collaborative team environment, promoting continuous learning and professional development.
- Participate in recruitment and selection processes to build a high-performing team.
- Cultivate and maintain relationships with borrowers, ensuring excellent customer service and addressing their financing needs.
- Collaborate with internal stakeholders, such as credit analysts, legal, and compliance teams, to facilitate efficient loan processing and closing.
- Engage with external stakeholders, such as regulators and auditors, as required.
- Identify opportunities for process improvements and automation to enhance operational efficiency.
- Develop and implement risk mitigation strategies, including credit policies and procedures.
- Stay updated on industry trends, regulatory changes, and best practices in lending.
- Proven experience in loan origination, credit analysis, and portfolio management, preferably in a senior or leadership role.
- Strong knowledge of lending principles, credit analysis techniques, and regulatory requirements.
- Excellent analytical and problem-solving skills, with the ability to assess complex credit situations and make informed decisions.
- Demonstrated leadership abilities, with experience in managing and developing a team.
- Solid understanding of financial statements, cash flow analysis, and risk assessment.
- Strong negotiation and relationship-building skills.
- Ability to work effectively under pressure and meet deadlines in a fast-paced environment.
- Proficient in using loan management software and MS Office Suite.
- Excellent communication skills, both written and verbal, with the ability to communicate complex concepts effectively.
Contact Detail:
KFS Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Loan Management
✨Tip Number 1
Network with professionals in the bridging finance sector. Attend industry events, webinars, or local meetups to connect with potential colleagues and leaders in the field. Building relationships can often lead to job opportunities that aren't advertised.
✨Tip Number 2
Stay updated on the latest trends and regulations in the lending industry. Subscribe to relevant newsletters, follow industry leaders on social media, and join online forums. This knowledge will not only help you in interviews but also demonstrate your commitment to the field.
✨Tip Number 3
Prepare for interviews by practising common questions related to loan management and credit analysis. Think about specific examples from your past experience that showcase your leadership skills and decision-making abilities. Tailoring your responses to reflect the company's values can set you apart.
✨Tip Number 4
Research the company thoroughly before applying. Understand their products, market position, and recent developments. This will allow you to tailor your approach and show genuine interest during any discussions with the hiring team.
We think you need these skills to ace Head of Loan Management
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in loan origination, credit analysis, and portfolio management. Use specific examples that demonstrate your leadership skills and ability to make informed lending decisions.
Craft a Compelling Cover Letter: Write a cover letter that addresses the key responsibilities of the Head of Loan Management role. Emphasise your understanding of lending principles and your experience in managing teams, as well as your approach to risk mitigation and process improvement.
Showcase Your Analytical Skills: In your application, provide examples of how you've successfully evaluated creditworthiness and made sound credit decisions. Highlight any experience you have with financial statements and cash flow analysis.
Highlight Relationship Management Experience: Demonstrate your ability to cultivate and maintain relationships with borrowers and internal stakeholders. Include examples of how you've provided excellent customer service and collaborated with teams to facilitate efficient loan processing.
How to prepare for a job interview at KFS Recruitment
✨Showcase Your Leadership Skills
As the Head of Loan Management, you'll need to demonstrate strong leadership abilities. Be prepared to discuss your experience in managing teams, setting performance targets, and fostering a collaborative environment. Share specific examples of how you've developed team members and improved team dynamics.
✨Understand Lending Principles Thoroughly
Make sure you have a solid grasp of lending principles and credit analysis techniques. During the interview, be ready to discuss how you evaluate creditworthiness and make informed lending decisions. Highlight any relevant experiences where you balanced risk and profitability effectively.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your problem-solving skills and ability to handle complex credit situations. Think of examples from your past where you successfully navigated challenges in loan origination or portfolio management, and be ready to explain your thought process.
✨Demonstrate Relationship Management Skills
Relationship management is key in this role. Be prepared to talk about how you've cultivated relationships with borrowers and internal stakeholders. Share instances where your negotiation and communication skills led to successful outcomes, ensuring you highlight your customer service approach.
