Lending Manager

Recruiter
Strand Recruitment Ltd
Location
Hounslow, UK
Salary
Competitive
Posted
20 Aug 2019
Closes
19 Sep 2019
Ref
1237915156
Sector
Accountancy
Contract Type
Permanent
Hours
Full Time
A great opportunity for an experienced Lending Manager has arisen with our client in the Hounslow area. They provide clear saving and loan products to their customers, helping them to improve their financial position.

The Lending Manager will have detailed knowledge and hands on experience of underwriting and personal lending with a strong moral compass. They will be able to demonstrate a solution focused attitude to deliver consistency whilst not being afraid to challenge areas for improvement.

Utilising clear communication skills, the Lending Manager will be objective and hardworking with a keen eye for detail, they will work diligently to ensure the right lending decisions are made both by themselves and by their team. Taking a proactive approach to lead, manage and develop individuals.

Key Responsibilities

Team Management:
  • Lead and manage the Loans Team to deliver a high quality and efficient service.
  • Manage individual performances with the Loans Team, providing coaching to drive positive performance and working together to create personal development plans,
  • Review the quality of loan decisions being made by the team to ensure a consistent approach.
  • Develop and deliver departmental objectives that support the overall achievement of the business.

Wider teams:
  • Work with Senior Management to review lending policy with a view to make changes which help to drive better outcomes for both members and the business, whilst managing risk.
  • Work with the Marketing Team to create promotions that generate new business.
  • Clearly communicate the performance of loan products and promotions to the wider business.
  • Support the wider business with their understanding of the loans process and products to help increase awareness and the service provided to customers.
  • Manage relationships with our strategic partners to understand their needs and suggest new potential opportunities

Technical:
  • Implement and deliver against the Lending Policy whilst taking steps to manage the possibility of delinquent debt.
  • Underwrite high-risk or high value loans as per the lending policy and relevant levels of authority.
  • Counter sign loans where required.

Process improvement:
  • Identify ways to improve internal processes to drive efficiencies for both customers and staff.
  • Work with the wider business on system changes or implementation to ensure any changes brought about improve the process or service to customers.
  • Creating and delivering effective reporting on loans to help monitor and respond to the needs of customers.
  • Develop and maintain awareness of PSCU risks and risk frameworks in line with regulatory expectations.

Qualifications and Experience
  • Maths & English grade C or above
  • Financial Services / personal lending qualification or willingness to work towards.
  • Experience of leading and managing a lending / loans team
  • Experience of underwriting high-risk or high value loans
  • Experience of regulatory framework expectations and working within a regulated environment
  • Experience of reporting and managing risks

Knowledge
  • Ethical lending standards
  • Loan underwriting best practice
  • A clear understanding of the expectations of regulatory bodies in relation to lending
  • Treating Customers Fairly principles

Benefits:
  • Competitive Salary
  • Working hours: Monday - Friday 8.30-4pm
  • Free on-site car parking
  • Contributory Pension
  • Personal development opportunities

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