In-life 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.

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. Department Description Allica’s Risk Department forms the 2nd Line of Defence (2LOD) and provides robust support, insightful challenge, and comprehensive oversight to the dynamic activities of the 1st Line of Defence (1LOD). Unlike traditional 2LOD functions, our team thrives on collaboration and aligning with the bank's strategic objectives in a controlled and risk-conscious manner. We are empowered to support innovative solutions to complex challenges, acting as key facilitators in driving the bank towards success. Role Description This role plays a crucial role in ensuring that credit risks are appropriately monitored and managed. The Credit Quality Assurance Manager is expected to ensure robust support and comprehensive oversight of credit risk management. This involves providing second-line oversight, challenging credit risk management, and assessing the implementation and oversight of credit policy and lending standards. Principal Accountabilities * Develop and implement credit risk assurance plans and methodologies. * Provide oversight and document findings on 1LOD’s compliance with credit policy and lending standards, provide clear recommendations to improve credit processes and support mitigation efforts. * Set governance requirements for credit assurance, including business self-assurance for first-line underwriting teams, and provide regular monitoring and reporting across all portfolios. * Provide an integrated view of the bank’s credit risk profile through the development of comprehensive reporting, assessment of credit quality performance, emerging issues and recommending necessary actions. * Liaise with key business stakeholders to support the maintenance of a credit assurance programme that covers thematic reviews, ad-hoc requests on individual files or portfolios and communicating any material issues and/or non-compliance with approval conditions. * Review and set key assurance risk metrics, including but not limited to credit quality at origination and in-life stewardship, governance for use of delegated lending authorities, issue management, policy compliance and implementation. * Provide independent validation of credit quality across the banks total portfolio and where required be part of the due diligence team for any potential portfolio acquisition. Validation activity should assess the financial and operational performance of new and existing business and compliance with regulatory requirements. Personal Attributes & Experience * Deep understanding of credit risk within the SME markets. * Experience & knowledge of credit risk management frameworks. * Experience of working in a fast-paced environment using credit data, credit policy, lending standards and risk appetite to assess qualitative and quantitative outputs. * Knowledge of risk models such as PD & LGD and an ability to translate outputs into a clear report that can be used with stakeholders. * Knowledge of a bank’s regulatory environment and knowing where to go for guidance and support. * Familiarity with all risk types across a bank and ability to provide reasoned challenge. * You are flexible to adapt quickly to changing priorities within a very dynamic environment and work well with stakeholders across the business. * Established self-starter and ability to work under own guidance. * Collaborative style of working, using the experience of the wider team. #LI-AD1 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.

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 a Senior Anti-Financial Crime & Onboarding Analyst, to support both our Anti-Financial Crime (AFC) efforts and client onboarding. This is primarily an office-based role, requiring a minimum of two days per week in either the Manchester or London office. Additional travel to these offices may occasionally be required. About the job The Senior AFC and Onboarding Analyst supports the delivery of effective first line financial crime controls and client onboarding activities within SME Lending. The role is responsible for assisting with KYC, EDD, sanctions screening, onboarding including quality assurance, and ongoing process improvements to support the continued growth of the franchise while maintaining strong control standards. Reporting to the Anti-Financial Crime & Onboarding Manager the role will work closely with Head of SME Product, Risk and Financial Crime, Lending Managers, Operations, and Compliance, to ensure onboarding is completed efficiently, consistently, and in line with internal policies and regulatory expectations. In this role, you will play a pivotal part in the frontline defence against financial crime, serving as a subject matter expert and point of reference for team members. You’ll be responsible for assisting with and overseeing the quality and accuracy of due diligence performed by the frontline team, ensuring high standards are consistently met. You’ll work in close partnership with internal stakeholders and external partners to strengthen and evolve our AML and KYC processes, and assist the AFC and Onboarding Manager in providing regular updates via preparation of MI on financial crime risk. If you’re a KYC professional seeking an opportunity to shape policies and procedures, support team development, and share your expertise across the wider function we’d be excited to hear from you. Key Responsibilities * As a 1st Line Anti-Financial Crime & Onboarding Analyst you will be responsible for supporting customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring activities to ensure the Bank's compliance with anti-money laundering (AML) and Know Your Customer (KYC) regulations. You’ll play a critical role in identifying and mitigating financial crime risk at the frontline of customer interaction. * Supporting AML/KYC reviews on new and existing customers in line with internal policies and regulatory requirements. * Review and assess the suitability of customer documentation including corporate structures, identification documents, source of funds/source of wealth evidence and lending-related information. * Utilise internal onboarding and monitoring systems, together with third-party screening tools to conduct and assess sanctions, PEP, adverse media and background checks. * Manage and monitor investigations of alerts from monitoring systems conducted by the frontline, escalating suspicious activity as appropriate. * Liaise with internal teams to obtain missing information or resolve KYC issues. * Contribute to the overall continuous improvement and development of the AML/KYC Operations by supporting the implementation of internal controls, process improvements and documentation updates. * Assist in the preparation of internal reports and MI relating to Financial Crime and AML. * Stay current on AML/CTF legislation, typologies, and regulatory expectations. * Provide guidance and day-to-day support to frontline colleagues on AML/KYC requirements and onboarding best practice. Required Skills * Previous demonstrable experience in a KYC, AML, or compliance role within a financial institution (preferably with experience in Commercial/SME Lending). * Working knowledge of the UK regulatory environment, including the Money Laundering Regulations, JMLSG Guidance, and FCA Handbook. * Familiarity with screening and case management tools e.g. LexisNexis, ComplyAdvantage, RiskNarrative, Dow Jones. * Team player with a proactive attitude and ethical mindset. * Ability to work under pressure and manage workload in line with SLAs. * Strong communication skills including the ability to forge new connections with existing stakeholders and escalate risks diligently in line with agreed processes. * Keen eye for detail and problem solving with an investigative mind and the desire to find solutions to problems independently and quickly using a risk-based rationale in line with relevant legislation.   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.