At a Glance
- Tasks: Lead high-impact debt finance transactions in real estate and trading sectors.
- Company: Join a dynamic bank focused on innovation and customer experience.
- Benefits: Equity stake, 25 days holiday, personalised benefits, and well-being events.
- Other info: Enjoy a vibrant office culture with opportunities for personal growth and community support.
- Why this job: Make a real impact in finance while building strong relationships with clients.
- Qualifications: Strong background in SME lending, financial analysis, and excellent communication skills.
The predicted salary is between 100000 - 150000 £ per year.
We're looking for a Director to join our Debt Finance team in London. This high-impact front-office role focuses on originating, structuring, and executing transactions across trading businesses (cash-flow lending) and real-estate and operational real-estate. You’ll take full ownership of transactions from first conversation through credit approval and completion, working directly with entrepreneurs, sponsors, and intermediaries.
Your Responsibilities
- Originate, structure, and execute transactions that meet OakNorth’s lending requirements.
- Manage and further develop existing customer relationships, identify new relationships and opportunities in the market.
- Work as part of a team on the execution of corporate finance, real-estate, property, and trading business transactions.
- Build the profile of the bank in the external market with SMEs, KBI, advisors, and private equity firms.
- Assess appropriate organic and inorganic growth opportunities for OakNorth in the market.
- Spread financial accounts and financial modelling.
- Analyse financial accounts and prepare credit memorandums.
- Analyse financial models including forecasted cash-flows and sensitivities to assess debt capacity and repayment.
- Ensure transactions are documented in accordance with credit approved terms and sanctions.
- Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction.
- Have an overview of ongoing relationship management and client experience.
- Drive innovation in the product proposition to improve customer experience whilst maintaining asset quality.
- Ensure a high level of customer experience at all times.
- Structure transactions appropriately and produce full credit reports to sanctioning authority.
- Maintain close relationships with customers and report to Credit in line with policy in a timely manner.
- Act in accordance with OakNorth Bank’s values at all times.
Required Qualifications
- In-depth understanding of SME lending, real-estate, and trading businesses.
- Good understanding of banking and financial services products and a strong grasp of IFRS 9.
- Excellent communication and customer-facing skills.
- Good understanding of business processes, strategy and credit policies.
- Strong credit, financial analysis and modelling skills, including the ability to write high-quality structured credit papers.
- Experience in the analysis of senior, stretched-senior and mezzanine cash-flow unsecured transactions.
- Legal documentation skills.
- Experience presenting credit cases internally to a credit committee.
- Strong problem-solving ability.
- Degree in finance, commerce or equivalent.
Benefits
- Equity – stake in the business.
- 25 days holiday.
- Personalised benefits – opt-in to what matters to you.
- Subsidised private medical insurance with Bupa.
- Enhanced maternity and paternity leave.
- Well-being and social events.
- In-house barista bar in London office.
- Volunteering time off to support causes that matter to you.
- Salary sacrifice schemes (cycle-to-work, nursery, gym, electric car scheme).
Director, Debt Finance - Real Estate & Trading Businesses employer: OakNorth Analytical Intelligence
At OakNorth, we pride ourselves on being an exceptional employer, offering a dynamic work environment in the heart of London where innovation and collaboration thrive. As a Director in our Debt Finance team, you'll enjoy a competitive equity stake, generous holiday allowance, and personalised benefits tailored to your needs, all while contributing to meaningful transactions that support SMEs and real estate ventures. Our commitment to employee growth is evident through our well-being initiatives, social events, and opportunities for professional development, making OakNorth a truly rewarding place to advance your career.
Contact Details:
OakNorth Analytical Intelligence Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Director, Debt Finance - Real Estate & Trading Businesses
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join relevant groups, and don’t be shy about reaching out on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can land you that dream job.
✨Showcase Your Expertise
When you get the chance to chat with potential employers, make sure to highlight your experience in SME lending and real estate. We want to see you confidently discuss your past successes and how they relate to the role. Remember, you’re not just looking for a job; you’re showcasing your value!
✨Prepare for the Interview
Do your homework before the interview! Understand OakNorth’s values and how you can contribute to their mission. We suggest practising common interview questions and preparing some insightful questions of your own. This shows you’re genuinely interested and ready to engage.
✨Apply Through Our Website
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who take the initiative to go directly through us. Let’s make this happen together!
We think you need these skills to ace Director, Debt Finance - Real Estate & Trading Businesses
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the role of Director in Debt Finance. Highlight your experience in originating and structuring transactions, especially in real estate and trading businesses. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this high-impact role. Share specific examples of your past successes in managing customer relationships and executing transactions.
Showcase Your Financial Acumen:Since this role requires strong financial analysis and modelling skills, make sure to include relevant experiences that demonstrate your expertise. We love seeing candidates who can spread financial accounts and prepare credit memorandums with ease!
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 shows you’re keen on joining our team at OakNorth!
How to prepare for a job interview at OakNorth Analytical Intelligence
✨Know Your Numbers
As a Director in Debt Finance, you'll need to demonstrate your financial acumen. Brush up on your financial modelling skills and be ready to discuss cash-flow lending, real estate transactions, and how you assess debt capacity. Prepare to share specific examples of past transactions you've managed.
✨Build Rapport with Stakeholders
This role involves working closely with entrepreneurs, sponsors, and intermediaries. Practice your communication skills and think about how you can establish strong relationships during the interview. Show that you understand the importance of client experience and how you can enhance it.
✨Showcase Your Problem-Solving Skills
Expect questions that test your problem-solving abilities. Be prepared to discuss challenges you've faced in previous roles, particularly in structuring transactions or managing client relationships. Use the STAR method (Situation, Task, Action, Result) to frame your answers effectively.
✨Align with Company Values
Familiarise yourself with OakNorth's values and culture. During the interview, highlight how your personal values align with theirs. This will show that you're not just a fit for the role but also for the company as a whole, which is crucial for a high-impact position like this.
