Lending Officer – Fixed Term Contract

Kind Consultancy is working with a successful and still growing challenger bank which is currently seeking a Lending Officer to join their Asset Finance division in their East Midlands offices on a fixed term contract running to November 2024.

The Lending Officer will act as a key point of contact for Asset Finance customers and introducers and will also provide support to the Head of Asset Finance, and the Sales team.  They will need to effectively manage relationships with brokers, introducers, and other stakeholders.

Our ideal candidate for the Lending Officer fixed term contract:

  • Has experience of liaising with customers and brokers in relation to credit risk applications.
  • Has strong knowledge of Asset Lending and experience of work in a Sales/Marketing environment
  • Has experience of Compliance and good knowledge of Financial Services regulations
  • Has excellent interpersonal, time management and communication skills
  • Is PC literate with knowledge of Microsoft Office suite
  • Has a good understanding of Conduct Risk and Treating Customers Fairly requirements.

If you’re interested in the Lending Officer fixed term contract and you have the skills, knowledge and experience we’re looking for, please apply with an updated CV today.

Commercial Recoveries Partner – 12 Month FTC

Kind Consultancy is working with a well-established Challenger Bank which is currently seeking a Commercial Recoveries Partner to join them in a full-time, 12-month fixed term contract paying up to £65,000 with a hybrid work model 50% based in their East Midlands offices.

The Commercial Recoveries Partner will report to the Head of Business Support and will assist in the administration of non-performing loan books in both Real Estate Finance and Asset Finance, monitoring and controlling loan account arrears, minimising the risk of loss. Key responsibilities will include:

  • Advising and supporting borrowers in developing and implementing optimal strategies to return their loans to performing status, including the appointment of reporting accountants, debt restructuring, further borrowing and refinance of the loans with alternative products and/or lenders.
  • Assessing the credibility of borrowers’ recovery plans and their ability to implement them and monitoring the performance of loans against their recovery plans and advising the borrowers on any amendments required as appropriate.
  • Quickly identifying those borrowers who do not have a credible recovery strategy to move these accounts into resolution (e.g. receivership, call up of guarantees, etc).
  • Assessing, analysing and making recommendations to the Head of Business Support of appropriate action on non-performing loans to aid recovery and mitigate losses.
  • Liaising with any appointed Solicitor, Insolvency Practitioner and /or Receiver to recover the Bank’s debt, communicating with the borrower, where appropriate, to facilitate co-operation to achieve loan recovery objectives.
  • Working closely with the Bank’s panel of receivers, valuers and property managers to maximise the amount realised from the resolution of distressed loans.
  • Managing the daily loan arrears in Real Estate Finance and Asset Finance in line with the Bank’s Policies and Procedures.
  • Recommending loan accounts that, due to an adverse track record, qualify for inclusion onto the Bank’s Watch Lists and Early Warning Reports, in line with the Non-Performing Loan Policy

Our ideal candidate for the Commercial Recoveries Partner 12 Month FTC :

  • Has a good level of financial and commercial awareness with a proven record of success in commercial banking relationship management
  • Has excellent oral and written communication skills Excellent organisational and IT skills
  • Possesses excellent analytical and problem-solving skills developed from a credit-based background or similar, including annual accounts/cashflow/MI analysis
  • Has well developed general knowledge of the commercial environment and sector specialisms including Real Estate lending, Asset Finance, Classic Cars and the SME market
  • Has a good understanding of Conduct and TCF requirements relevant to Real Estate and Asset Finance lending and of the identification and treatment of Vulnerable Customers

If you’re interested in the Commercial Recoveries Partner contract and you have the skills, knowledge and experience we’re looking for and are based in or can commute to the East Midlands, please apply with an updated CV today.

Senior Underwriter – 12 Month FTC

Kind Consultancy is working with a successful and respected Retail Financial Services business which is currently growing its Underwriting team. As part of this expansion, they are seeking a Senior Underwriter to join their East Midlands offices in a 12-month Fixed Term Contract paying up to £45,000, with the possibility of remote or hybrid work models.

As a Senior Underwriter your role will be to ensure the business’s underwriting standards and practices are upheld within the Lending Team, ensuring the 6 Pillars approach is embedded consistently in addition to the Responsible Lending Policy. Key responsibilities will include:

  • Assisting in the training of Lending Support Officers on the Underwriting T&C Framework.
  • Dealing with enquiries on all aspects of mortgage applications from customer and intermediaries.
  • Monitoring suitability of applications and compliance with current Lending Policy.
  • Conducting Affordability Assessments to ensure they comply with current Lending Policy or make any recommendations outside of this.
  • Approving of advances up to level of mandate.
  • Preparing applications outside mandate for higher mandated approval, including MIG referrals and Authorisation numbers.
  • Identifying opportunities to make the mortgage process more efficient without compromising standards

For the Fixed Term Contract Senior Underwriter opportunity, we’re looking for candidates who:

  • Hold a full CeMAP Qualification
  • Have substantial Underwriting experience
  • Are confident in manually underwriting deals
  • Have previously held a mandate of at least £500,000
  • Have excellent attention to detail, strong communication skills and the ability to solve problems quickly.
  • Are highly organised with strong prioritisation skills
  • Have good IT skills including a basic understanding of the MS Office package, especially MS Outlook & Excel.
  • Hold at least five GCSEs (or equivalent) at grade C or above, including Maths and English.
  • Are willing to undergo a credit reference search and DBS check

If you’re interested in the Senior Underwriter fixed term contract and you have the qualifications, skills and experience we’re looking for, please apply with an updated CV today.

Get in touch