At a Glance
- Tasks: Lead high-impact transactions in debt finance for real estate and trading businesses.
- Company: Join a dynamic bank focused on innovation and customer experience.
- Benefits: Equity stake, 25 days holiday, personalised benefits, and subsidised medical insurance.
- Other info: Enjoy a vibrant office culture with well-being events and volunteering time off.
- Why this job: Make a real impact in the finance world while building strong relationships.
- Qualifications: Deep understanding of SME lending and strong financial analysis skills required.
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 in London 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. Our Debt Finance team is not only pivotal to our success but also provides ample opportunities for personal and professional growth, supported by a culture that values employee well-being and engagement. With competitive benefits including equity stakes, personalised perks, and a strong focus on work-life balance, we empower our employees to make meaningful contributions while enjoying a fulfilling 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 in London
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, join relevant LinkedIn groups, and don’t be shy about reaching out to potential contacts. Building relationships can open doors to opportunities that aren’t even advertised.
✨Showcase Your Expertise
Create a personal brand that highlights your skills in debt finance and real estate. Share insights on social media, write articles, or even start a blog. This not only showcases your knowledge but also positions you as a thought leader in the field.
✨Ace the Interview
Prepare for interviews by researching the company and understanding their values and goals. Practice common interview questions and think of examples from your experience that demonstrate your skills in originating and structuring transactions. Confidence is key!
✨Apply Directly Through Us
Don’t forget to check out our website for job openings! Applying directly through our platform can give you an edge, as it shows your genuine interest in joining our team. Plus, we love seeing candidates who are proactive!
We think you need these skills to ace Director, Debt Finance - Real Estate & Trading Businesses in London
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 Skills:Since this role requires strong financial analysis and modelling skills, make sure to highlight any relevant experience. 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, we love seeing candidates who take that extra step!
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 forecasts and sensitivities. Prepare to explain how you would assess debt capacity and repayment for potential transactions.
✨Showcase Relationship Management Skills
This role requires strong customer-facing abilities. Think of examples where you've successfully managed client relationships or developed new ones. Be prepared to discuss how you would enhance the customer experience while maintaining asset quality.
✨Understand the Market Landscape
Familiarise yourself with the current trends in SME lending, real estate, and trading businesses. Research OakNorth's position in the market and be ready to discuss organic and inorganic growth opportunities that could benefit the bank.
✨Prepare for Credit Committee Presentations
Since you'll be presenting credit cases internally, practice articulating your thought process clearly and concisely. Prepare a mock presentation of a credit case, focusing on how you would structure it and what key points you'd highlight to gain approval.
