Lending Manager

LHV Bank

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards.  Customers can conveniently access these services through the LHV App, enabling secure account opening and management. We are currently seeking an experienced Lending Manager to join our Relationship Management Team in London. The role will be to support the end-to end lending processes though the customer journey, from onboarding through to loan completion. Please note...This is a London based role that will require you to be in our office 2-3 days a week. Key Responsibilities * Manage the pipeline and diary, taking responsibility for ensuring the smoothest of customer journeys  and communicating effectively throughout * Supporting Lending Directors with the writing of credit reports (including detailed financial analysis) to develop appropriate solutions * Liaising with brokers regarding our customers, obtaining quotes and dealing with queries * Liaising with LHV’s solicitors, maintaining good working relationships and working collaboratively to deliver a good service for our customers * Supporting prospective customers with the LHV onboarding process. This will include capturing all the Know Your Business (KYB) and Know Your Customer (KYC) information. * Establishing a strong working relationship with the Credit team and other internal departments. * Monitor account portfolios, supporting the Lending Director in managing the overall credit risks and any irregular performance in line with the Credit Policy * Drive the lending pipeline in a timely and effective way, working collaboratively with the wider team * Retaining clients by dealing with day to day enquiries and maintaining a strong commercial approach to the portfolio * Developing and maintaining strong customer relationships, driving continuous improvement with a view to building long-lasting relationships * Ensure regulatory and risk adherence at all times, ensuring positive customer outcomes are at the forefront of how you operate * Develop & promote LHV’s reputation as an active, creative lender in the SME market  * Support the delivery of the strategic objectives including delivery of income, strong customer advocacy and risk metrics  Required Skills & Experience: * Proven relationship management /support experience within a Business / Commercial Bank environment. * Experience and knowledge within Anti-Financial Crime and Customer Due Diligence. * Experience of working with Brokers and other Intermediaries with access to SMEs. * Knowledge and experience of either Trading Business, Secured Lending or Real Estate Secured Lending * Some credit report writing skills and experience. * Commercial awareness, in relation to the external competitive market but also the requirements and flexibility required of working within an SME organisation. * Strong Microsoft skills – PowerPoint, Excel & Word * Excellent organisational skills and good attention to detail. * Strong administration skills. * Ability to manage own workload and work on own initiative * Excellent verbal and written communication skills. * Ability to maintain and develop good working relationships. * Able to work effectively as part of a team. Some of our benefits (only applicable to UK based roles not Internship programmes)  * Competitive salary &lots of opportunities to learn, grow and progress professionally. * Open and inclusive culture.   * Hybrid working. * Fantastic offices and great working environment. * Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)  * Health cash Plan (Medicash health plan Level 3) * 6% employer pension contribution. * Life assurance – 4 x salary. * Income protection insurance – 75%   * 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year. * Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.  * Enhanced family friendly and family forming policies. * Access to a wide range of retail discounts.  * Team Socials.

Recognise Bank

Hello,   We are Recognise Bank; a modern business bank built to support the UK’s SMEs with tailored lending and savings solutions. Founded in 2017 by experienced business owners, we set out to challenge traditional banking by offering more flexibility, understanding, and practical support to help businesses thrive. Since receiving our banking licence in 2021, we’ve built a loyal customer base and a strong, diverse team that puts people first.   Our vision is building stronger futures with bespoke financial solutions. We understand that no two financial needs are the same, which is why we work closely with UK SMEs and individuals to unlock potential others often overlook. Through smart, flexible lending and savings products, we’re here to build and grow stronger futures for lasting success.   Our values shape how we work and grow together: 💪 Can do, will do: We take ownership, solve problems, and adapt as our customers’ needs evolve. ✨ Be brilliant: We show up with curiosity and energy, always striving for better. 🤝 Do the right thing: We act with integrity, responsibility, and care in everything we do. 💡Make a difference: We focus on impact, helping our customers, colleagues, and communities succeed.   About the role The Senior Lending Manager role will be responsible for establishing, developing and managing sustainable and mutually beneficial relationships with Intermediaries (panel brokers and Strategic Partners) as well as direct customers in the commercial and residential real estate lending markets, reporting into the Chief Commercial Officer.   Through exceptional customer service the role holder will be focussed on building a customer base in their geographical location securing new broker and customer relationships as well as supporting existing customers with their financial needs.   In this role the individual will deliver a first-class service to customers seeking funding solutions to their business requirements, underpinned by commercial property security, whilst operating within credit risk appetite and lending policy/criteria to source and complete quality lending propositions.  As part of this role the expectation is that the individual will be able to play an important part in supporting the business in the ongoing review and development of lending appetite across its existing and new commercial loan products. 

Allica Bank

About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. Purpose of Role We’re looking for a In-life Lending Manager to join our Credit Monitoring Team (CMT). This role sits at the heart of our loan book, managing customer relationships post origination and ensuring strong credit oversight throughout the lifecycle. You’ll play a key role in: * Managing in-life changes to lending facilities * Monitoring credit risk and identifying early warning signs * Supporting customers while protecting the bank’s position * Driving process improvements as we continue to scale This is a high impact role with real exposure across credit, operations, and relationship teams. Principal Accountabilities Managing In-Life Changes * Own complex borrower requests (e.g. restructures, security changes, loan modifications) * Engage directly with customers to understand and assess requests * Work closely with underwriting and relationship teams on credit decisions * Ensure consistent processes and high-quality documentation Credit Monitoring & Risk Management * Review and triage Early Warning Indicator (EWI) alerts * Identify emerging risks and take appropriate action * Manage pre-watchlist accounts and support remediation strategies Customer & Stakeholder Management * Deliver great customer outcomes aligned to Consumer Duty and TCF * Work collaboratively across relationship, underwriting, and collections teams * Engage with broker-introduced customers in line with agreements Process, Governance & Improvement * Help build and embed scalable processes for in-life lending * Develop meaningful MI and reporting for oversight and planning * Identify trends and drive improvements across credit and workflow * Contribute to continuous improvement as the team evolves Personal Attributes & Experience * A strong understanding of SME/commercial lending and in-life credit risk monitoring, including interpreting early warning indicators and identifying emerging credit deterioration * Customer-focused mindset, balanced with risk discipline able to support customers early while protecting the Bank’s position and escalating when required * Strong judgement and ability to prioritise effectively in a fast-moving environment, while maintaining robust controls and good documentation standards * Proven ability to build and embed processes, MI, and ways of working, and to drive continuous improvement across cross-functional stakeholders * Confident communicator who can engage internal stakeholders and customers professionally, sensitively, and with a strong focus on fair outcomes * Comfortable working with imperfect data and evolving processes, with the ability to create structure, clarity and governance as the model matures Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: * Full onboarding support and continued development opportunities * Options for flexible working * Regular social activities * Pension contributions * Discretionary bonus scheme * Private health cover * Life assurance * Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.