Lending Relationship Manager - Private Clients

Description of role and key responsibilities

Role

Origination, execution and maintenance of principally private client property lending in Guernsey

Responsibilities

• Build relationships with existing & target clients to maximise lending origination;
• Plan and initiate contact with key introducers and prospects;
• Proactively work with IBCI colleagues to promote the bank's lending capability across our target market;
• Deliver to a personal origination budget as part of the Lending Team;
• Hold and attend meetings with existing clients, prospective clients and introducers to identify and address lending opportunities;
• Critical analysis of lending propositions and their suitability in line with the lending criteria and appetite of IBCI;
• Preparation of credit applications, including the required level of research and due diligence with respect to the verification of the main facets of a proposition, such that key areas of risk are appropriately identified and mitigated;
• Presentation of credit applications to key stakeholders for approval;
• Working with a Portfolio Manager in:
  • overseeing the drafting of relevant Facility Letters and documentation in line with the Credit Minute, ensuring all conditions have been documented correctly;
  • Management of deals through to drawdown, including any subsequent draw downs, ensuring all conditions continue to be met;
  • Managing existing loans and relationships;
  • Pro-active notification to clients of debt servicing requirements, along with monitoring and chasing as appropriate;
  • Effective management of any excesses or expired limits;
  • Carry out reviews of existing facilities as required per the approval conditions
• Deal with day-to-day client queries;
• Maintain a good understanding of the regulatory environment and how the rules and guidance impact the role;
• Follow all applicable internal compliance considerations and appropriate processes, policies and procedures;
• To act with integrity at all times

Core Skills and knowledge

• Strong interpersonal and communication skills (both written and verbal);
• Good knowledge of the Guernsey property market;
• Experience of lending to individuals and their corporate structures with a demonstrable understanding of what constitutes relevant financial and non-financial data in an appraisal of any such transaction;
• An ability to critically appraise the strengths and weaknesses of a lending proposition, identifying key risks and appropriately mitigating;
• Experience of reading and interpreting financial accounts;
• A general awareness of lending procedures, including credit and drawdown related matters;
• Ability to learn quickly and react to client requirements within the appetite parameters of IBCI;
• Team player with the ability to build relationships both externally and internally;
• Ability to follow all relevant compliance considerations including a good awareness of the regulatory environment;
• Solid general administration skills;
• Ability to deal with demanding clients and work within tight deadlines;
• The potential and desire to develop within the business.