Broker – Job Spec (Capiteq Finance)
Role Summary
Job Title: Commercial Finance Broker & BDM
Location: Manchester
Contract: Full-time, permanent (employed or self-employed)
We are building out our commercial finance brokerage arm from Manchester and are hiring a Broker & BDM to originate, structure, and place deals across development finance, business loans, bridging loans, short-term lending, and commercial mortgages. Beyond origination, this person will take the lead in building out Capiteq's external lender panel sourcing, appointing, and managing lender relationships alongside our own-book lending capacity effectively running the brokerage desk day-to-day.
Key Responsibilities
- Lead the build-out of Capiteq's external lender panel across development finance, bridging, business loans, and commercial mortgages - sourcing, appointing, and negotiating terms of business with new lenders.
- Own and run the brokerage desk day-to-day: coordinating case flow, panel relationships, and deal placement, as the senior point of contact.
- Originate new business across development finance, commercial bridging, business loans, short-term lending, and commercial mortgages, via introducers, direct enquiries, and self-generated pipeline.
- Assess borrower requirements and structure the most appropriate finance solution, balancing speed, cost, and lender fit.
- Package and present cases to lenders — including Capiteq's own-book lending arm and panel lenders — managing the process from initial enquiry through to completion.
- Negotiate terms with lenders on the client's behalf, securing competitive rates and workable structures, and monitor panel service levels and pricing benchmarks.
- Maintain and grow a network of introducers (accountants, solicitors, property professionals, other brokers) to generate consistent deal flow.
- Keep accurate, compliant records of client interactions, recommendations, and deal progression on the CRM.
- Stay current on lender criteria, market pricing, and regulatory requirements across the relevant finance products.
- Work closely with Capiteq's credit and underwriting function on own-book placements.
Candidate Requirements
- Proven track record originating and placing deals in development finance, bridging, business loans, or commercial mortgages — minimum 2-3 years in a comparable brokerage or lending role.
- Prior experience building, negotiating, or managing lender relationships/panel agreements is strongly preferred, given the panel-build remit of this role.
- Existing network of introducers and/or a transferable client book is strongly preferred.
- Working knowledge of the specialist and short-term lending market: typical products, lender criteria, and pricing across the panel.
- Strong negotiation and relationship-management skills, with the commercial judgement to balance client outcomes against lender appetite.
- Comfortable operating as the senior figure on the desk day-to-day.
- CeMAP, CeRER, or equivalent qualification an advantage; study support provided where required.
Compensation
- Basic salary: £30,000–£40,000, dependent on experience and existing book.
- Commission: Uncapped, on a tiered structure against fees generated, indicative OTE £80,000+ in year one, rising with pipeline maturity.
- Self-employed / introducer route available for established brokers with a transferable client base, on an enhanced commission split.
- Full FCA compliance support, CRM, and lender panel access provided regardless of employment structure.
What Capiteq Offers
- A leading role in shaping Capiteq's lender panel from the ground up, with real influence over which lenders and terms the desk works with.
- A boutique, entrepreneurial environment with direct access to senior leadership and decision-makers.
- Genuine progression as Capiteq scales toward full FCA authorisation and a wider fund platform.
- Modern CRM, compliance, and back-office support so the desk can focus on origination and panel relationships.
- Manchester base with connectivity to the London and Dubai offices.
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