Lending Specialist

Job Description

To proactively acquire new clients and develop, maintain and expand existing clients portfolios by leveraging market leading lending solutions

This role entails the provision of holistic, and appropriate lending solutions that solve for the needs of high net worth, and high-income clients

Core Responsibilities

Credit Solution Development
- Designing customized lending structures for complex client situations
- Creating bespoke financing arrangements secured by various asset types
- Structuring credit facilities that align with clients' wealth management strategies
- Developing innovative lending solutions that preserve investment positions

Specialized Lending Products
- Arranging tailored mortgages for luxury residential properties
- Structuring loans secured by investment portfolios (securities-based lending)
- Creating aircraft and yacht financing solutions
- Facilitating art-secured lending arrangements
- Providing bridge loans for business transactions or real estate acquisitions
- Structuring interest-only loans with flexible repayment terms

Risk Assessment and Underwriting
- Analyzing complex income streams and asset portfolios
- Conducting sophisticated credit analysis beyond traditional metrics
- Evaluating collateral values for specialized assets
- Determining appropriate loan-to-value ratios for various asset classes
- Navigating exceptions to standard underwriting criteria for qualified clients

Client Consultation
- Collaborating with the relationship team during client meetings
- Educating clients on leveraging strategies and their implications
- Advising on optimal debt structures within overall wealth plans
- Providing insights on interest rate environments and financing opportunities

Key Skills and Competencies

Technical Knowledge
- In-depth understanding of credit products and structures
- Expertise in valuation methodologies for various asset classes
- Knowledge of regulatory requirements for secured lending
- Familiarity with tax implications of different financing strategies

Analytical Abilities
- Advanced financial analysis skills
- Complex cash flow modelling capabilities
- Understanding of risk-adjusted returns on leveraged investments
- Ability to evaluate non-traditional income sources

Relationship Skills
- Ability to explain complex lending concepts clearly
- Skill in negotiating terms that satisfy both client and bank requirements
- Capacity to work with clients' external advisors (attorneys, accountants)
- Maintaining relationships with credit committees for approval facilitation, appraisers and valuation specialists

Job Details

23/04/25