At a Glance
- Tasks: Support the lending process and build strong customer relationships in a dynamic banking environment.
- Company: LHV Bank, a forward-thinking UK bank with a focus on innovation and customer service.
- Benefits: Competitive salary, health plan, 28 days holiday, and opportunities for professional growth.
- Other info: Enjoy a vibrant office culture with team socials and inclusive policies.
- 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 and strong credit report writing skills.
The predicted salary is between 50000 - 60000 £ per year.
LHV Bank Limited is a UK‑licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed‑rate bonds for long‑term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure account opening and management.
We are currently seeking an experienced Lending Manager to join our Relationship Management Team in Manchester. The role will be to support the end‑to‑end lending processes through the customer journey, from onboarding through to loan completion. Please note this is a Manchester based role that will require you to be in our Manchester office 2‑3 days a week.
Key Responsibilities- Develop & promote LHV’s reputation as an active, creative lender in the SME market.
- Support the delivery of the strategic objectives including delivery of income, strong customer advocacy and risk metrics.
- Retain clients, dealing with day to day enquiries and maintaining a strong commercial approach to the portfolio.
- Drive lending pipeline in a timely and effective way, working collaboratively with the wider pod team.
- Maintain solid and strong primary relationship with LHV’s solicitors and work collaboratively to deliver for our customers.
- Support prospective customers with the LHV onboarding process, capturing all the Know Your Business (KYB) and Know Your Customer (KYC) information.
- Support writing detailed Credit reports (including detailed financial analysis) on complex cases to develop appropriate solutions and establish a strong working relationship with the Credit team.
- Monitor account portfolios, managing the overall credit risks and any irregular performance in line with the Credit policy.
- Attract, develop and maintain strong customer relationships driving continuous improvement with a view to build long‑lasting relationships.
- Manage the pipeline and diary, ensuring the smoothest of customer journeys communicating effectively throughout.
- Ensure regulatory and risk adherence at all times, ensuring positive customer outcomes are at the forefront of how you operate.
- Proven relationship management/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.
- A commercial awareness, in relation to the external competitive market but also the requirements and flexibility required of working within an SME organisation.
- Advanced Microsoft skills – PowerPoint / Excel & Word.
- Competitive salary & lots of opportunities to learn, grow and progress professionally.
- Open and inclusive culture.
- Fantastic offices and great working environment.
- Vitality Health Plan (includes private health insurance, travel insurance, gym discounts).
- Life assurance – 4 x salary.
- Income protection insurance – 75%.
- 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year.
- Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.
- Enhanced family friendly and family forming policies.
- Access to a wide range of retail discounts.
- Team Socials.
Lending Manager Manchester employer: LHV UK Limited
LHV Bank Limited is an exceptional employer, offering a dynamic work environment in Manchester that fosters professional growth and development. With a commitment to an open and inclusive culture, employees benefit from competitive salaries, comprehensive health plans, and generous holiday allowances, all while contributing to innovative banking solutions for SMEs. Join us to be part of a forward-thinking team that values strong customer relationships and encourages collaboration.
StudySmarter Expert Advice🤫
We think this is how you could land Lending Manager Manchester
✨Tip Number 1
Network like a pro! Get out there and connect with people in the banking and finance sector. Attend industry events, join relevant online forums, and don’t be shy to reach 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
Showcase your skills! Bring along examples of your previous work, especially any credit reports or successful client relationships you've managed. This will help you stand out and demonstrate your hands-on experience in lending management.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining the LHV team. Keep an eye on our careers page for the latest opportunities!
We think you need these skills to ace Lending Manager Manchester
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 at LHV Bank and how you can contribute to our team. Keep it concise but impactful – we love a good story!
Showcase Your Skills:Don’t forget to showcase your skills in credit report writing and your knowledge of SME lending. We’re keen on seeing how you can drive our lending pipeline and support our customers effectively.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and get you into our system quickly. Let’s get started on this journey together!
How to prepare for a job interview at LHV UK Limited
✨Know Your Stuff
Before the interview, make sure you understand LHV Bank's services and how they operate in the SME lending market. Familiarise yourself with their recent developments, especially since they just received their UK banking licence. This knowledge will show your genuine interest and help you answer questions more confidently.
✨Showcase Your Relationship Skills
As a Lending Manager, building strong relationships is key. Prepare examples from your past experiences where you've successfully managed client relationships or resolved issues. Highlight your ability to communicate effectively and maintain a commercial approach, as this aligns perfectly with what LHV Bank is looking for.
✨Be Ready for Technical Questions
Expect questions about credit report writing and financial analysis. Brush up on your knowledge of both Trading Business and Real Estate lending. Be prepared to discuss how you would approach complex cases and work collaboratively with the Credit team to develop solutions.
✨Demonstrate Organisational Skills
The role requires managing a pipeline and ensuring smooth customer journeys. Share specific strategies you use to stay organised and prioritise tasks. Mention any tools or methods that help you keep track of your workload, as this will demonstrate your self-starter attitude and ability to manage responsibilities effectively.
