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For Companies At a Glance
- Tasks: Manage lending processes and build strong relationships with SME clients.
- Company: LHV Bank, a dynamic UK-licensed bank with a focus on innovation.
- Benefits: Competitive salary, hybrid working, health plans, and 28 days holiday.
- Why this job: Join a creative team making a real impact in the SME lending market.
- Qualifications: Experience in relationship management within a banking environment is essential.
- Other info: Enjoy a vibrant office culture with excellent career progression opportunities.
The predicted salary is between 36000 - 60000 £ per year.
Overview
LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions in the UK. LHV Bank is a wholly owned subsidiary of LHV Group and operates under a full UK banking licence granted in May 2023. The Bank is committed to maintaining a robust financial crime control environment.
We are currently seeking an experienced Lending Manager to join the Relationship Management Team in London. The role will support end-to-end lending processes from onboarding through to loan completion. This is an office-based role that requires you to be in the London office 2-3 days per week.
Responsibilities
- Develop and promote LHV’s reputation as an active, creative lender in the SME market.
- Support the delivery of strategic objectives including income, customer advocacy, and risk metrics.
- Retain clients by handling day-to-day enquiries with a strong commercial approach to the portfolio.
- Drive the lending pipeline in a timely and effective manner, working collaboratively with the wider pod team.
- Maintain a solid primary relationship with LHV’s solicitors and collaborate to deliver for customers.
- Support prospective customers with the LHV onboarding process, including capturing KYB and KYC information.
- Assist in writing detailed credit reports (including financial analysis) on complex cases to develop appropriate solutions and establish a strong working relationship with the Credit team.
- Monitor account portfolios, manage credit risks, and address any irregular performance in line with Credit policy.
- Attract, develop, and maintain strong customer relationships to drive continuous improvement and long-lasting partnerships.
- Manage the pipeline and diary, ensuring a smooth customer journey with effective communication.
- Ensure regulatory and risk adherence at all times to deliver positive customer outcomes.
Required Skills
- Proven relationship management or support experience within a Business/Commercial Bank environment.
- Banking qualification ACIB or equivalent (desirable).
- Experience working with Brokers and other Intermediaries with access to SMEs.
- Knowledge of either Trading Business lending or Real Estate lending.
- Extensive credit report writing skills and experience.
- Commercial awareness of external market conditions and the requirements of working within an SME organisation.
- Advanced Microsoft skills – PowerPoint, Excel, and Word.
Benefits
- Competitive salary and progression opportunities
- Open and inclusive culture
- Hybrid working
- Excellent offices and working environment
- Vitality Health Plan (private health insurance, travel insurance, gym discounts)
- Medicash health plan (Level 3)
- 5% employer pension contribution
- Life assurance
- Income protection insurance
- 28 days holiday plus 3 additional days for key life events
- Team socials
Seniority level
- Mid-Senior level
Employment type
- Full-time
Job function
- Finance and Sales
London, England, United Kingdom
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Lending Manager employer: LHV Bank
Contact Detail:
LHV Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Lending Manager
✨Tip Number 1
Network like a pro! Get out there and connect with people in the finance and lending sectors. Attend industry events, join relevant online forums, and don’t be shy about reaching out on LinkedIn. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for those interviews! Research LHV Bank and understand their values and services. Be ready to discuss how your experience aligns with their goals, especially in SME lending. Practise common interview questions and have your own questions ready to show your interest.
✨Tip Number 3
Follow up after interviews! A quick thank-you email can go a long way. It shows your appreciation and keeps you fresh in their minds. Mention something specific from the interview to make it personal and memorable.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got all the latest job openings listed there, and it’s the best way to ensure your application gets seen. Plus, you’ll find tips and resources to help you stand out in the application process.
We think you need these skills to ace Lending Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Lending Manager role. Highlight your experience in relationship management and any relevant banking qualifications. We want to see how your skills align with what we’re looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about working with LHV Bank and how you can contribute to our goals. Keep it concise but impactful – we love a good story!
Showcase Your Credit Report Skills: Since writing detailed credit reports is key for this role, make sure to mention any relevant experience you have. We’re keen to see how you approach financial analysis and problem-solving in complex cases.
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy – just follow the prompts!
How to prepare for a job interview at LHV Bank
✨Know Your Stuff
Make sure you brush up on your knowledge of SME lending and the specific services LHV Bank offers. Familiarise yourself with their reputation in the market and be ready to discuss how you can contribute to enhancing it.
✨Showcase Your Relationship Skills
As a Lending Manager, relationship management is key. Prepare examples from your past experiences where you've successfully built and maintained client relationships, especially in a banking context. This will demonstrate your ability to handle day-to-day enquiries effectively.
✨Be Ready for Technical Questions
Expect questions about credit report writing and financial analysis. Brush up on your skills in these areas and be prepared to discuss complex cases you've handled. This will show that you have the expertise needed for the role.
✨Demonstrate Commercial Awareness
Understand the current market conditions affecting SMEs and be ready to discuss how these might impact lending decisions. Showing that you’re aware of external factors will highlight your strategic thinking and commercial acumen.
