Business Development Manager in Windsor

Company Description

Cubefunder is an SME fintech lender that provides flexible business loans to support growing businesses across England and Wales. The company offers fast, simple, and accessible funding from £5,000 to £100,000 for needs such as cash flow, expansion, equipment, stock, and refurbishment. Repayment plans are designed around how each business operates, using flexible models aligned with customer payment patterns to keep repayments manageable. By combining smart technology with a human approach, Cubefunder helps SMEs access funding when traditional finance may not be the right fit. The team is focused on making the lending process straightforward and supportive from application through repayment.

Job Role

You will be conducting site visits to potential borrowers at their place of business to assess if we are proceeding to a lending decision. You will be assessing director behaviour, business sector and collating any further documentation required to determine your final lending decision. You will be looking at the risks involved with the business and put these factors towards the lending decision. The information that is gathering at the underwriting stage will also support you to conduct the visit. You will be required to present the site visit findings to the Loan Sales Manager along with your business decision as to whether we should approve the lending decision. You will be required to build a business relationship with the director(s) you meet during your site visits to enable a solid line of communication. You be required to make contact directly with the director(s) to confirm, re-arrange and ensure that the director has all necessary documents and proof prepared for their visit. A strong understanding of commercial lending, risk assessment and financial analysis is required. Absolute professionalism whilst representing the company is essential. Strong time management is vital in this role.

Role Responsibilities

• Support the underwriting team by underwriting cases when you are not out on the road.
• Maintain an understanding of and comply with all relevant lending regulations, including those from financial regulatory bodies and internal lending policies.
• Upon completion of the site visit, ensure you carry out a post visit meeting with the Loan Sales Manager, at this stage you must ensure you raise any red flags/ concerns regarding the business we are considering lending to.
• Evaluate creditworthiness and risks of loan applicants by analysing financial data including income, financial statements, and collateral when underwriting cases.
• Provide excellent customer service by promptly responding to questions and concerns from loan applicants, explaining the loan application process, and communicating decisions effectively.
• Keep yourself updated on Cubefunder’s loan products, underwriting standards, and collections procedures.
• Ensure all documentation and ID Verification checks are prepared and completed to satisfactory standard before submitting the case to the lending department.
• Be able to operate with proficiency CRM systems and keep accurate notes and documentation.
• Make it your responsibility to know your customers.

Requirements

• Use of own car as you will be required to drive to our customers (monthly car allowance).
• Confident, friendly and a professional manner is required at all times as you will representing the company when onsite visits.
• Excellent interpersonal and communication skills.
• Excellent analytical and decision-making abilities.
• Knowledge of loan compliance and regulatory standards.

Equal Opportunity

Cubefunder is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Disclaimer: The above job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the job. It’s a representation of the key elements of the position.

Benefits

• Employer contribution of 3% to Standard Life Pension Scheme.
• Gym Membership.
• Access to 5 x Leisure Focus Gyms.
• Enrolment into Benenden Health support service, following probation being passed.
• Bonus Scheme – once a successful probationary period has been passed.
• 25 days per annum paid holiday plus 8 bank holidays. Holiday entitlement increases with years of service. (27 days after 2 years employment, 29 days after 3 years employment, capped at 29days).
• Childcare salary sacrifice scheme with our partner Yellow Nest once probation has been passed.
• Enhanced maternity and paternity packages available.

About the Company

Why Cubefunder? We are a small but growing team based in Windsor with a fast-paced workplace culture. We have lent out over 94m to over 3,400 businesses across England & Wales. There will be plenty of opportunities for you to build your career here with as we are in a period of growth and are passionate about investing in our team.

Our office is a 1-minute walk from Windsor & Eton Riverside train station. Our office hours are Monday to Friday 8:30am –5:00pm.