Lending Specialist

Role Title: Lending Specialist

Division: Finance

Location: Liverpool

Contract: 12-month FTC

Working pattern: Hybrid

About the Role

Responsible for managing lending applications from initial enquiry through to approval and drawdown, supporting high-net-worth clients and Investment Managers throughout the process. This role offers broad exposure across lending, treasury, risk and front-office functions, with responsibility for assessing affordability and creditworthiness, ensuring regulatory compliance, and delivering an exceptional client experience. The successful candidate will play a key role in supporting the continued growth of Rathbones' lending proposition while developing expertise across a wide range of lending products and regulatory environments.

What you’ll be responsible for

• Managing client lending applications (for RIM or Investec Bank lending) from initial enquiry to drawdown of funds, including the provision of the relevant pre-contractual advice to clients, affordability assessment and approval according to internal approval scales.

• Managing client overdraft exposures, monitoring positions in line with terms of business and reporting positions through routine MI and by exception, where tolerances are exceeded, according to agreed escalation procedures.

• Providing support for client lending enquiries, liaising directly with clients, investment managers and other internal stakeholders.

• Issue client correspondence in relation to new or existing lending including but not limited to statements or repayment / execution letters.

• Servicing loan interest on a quarterly basis, including raising invoices for clients that elect to pay using external funds.

• Application of debit interest for overdraft balances and subsequent adjustments according to agreed policy.

• Maintain records for all undertakings and guarantees held.

• Ensure all loans are compliant with the requirements of the FCA’s CONC and MCOB regulations for creditworthiness and affordability.

• Issue annual review requests to IMs, collating responses for each client and identifying changes in circumstance to be reported upwards the Lending Manager in a summary report.

• Maintain data required to produce MI to be reported to the Lending Manager and Head of Lending.

• Maintain lending procedures, reflecting changes as they occur and testing where appropriate.

About you

• Able to communicate information, ideas, or issues effectively and clearly through the most appropriate channel within the team and to key stakeholders.

• Previous experience within lending, mortgages, private banking, wealth management lending, credit administration or loan processing.

• Experience managing lending applications from initial enquiry through to approval and drawdown. (Desirable)

• Exposure to FCA regulated lending environments (Desirable)

• Experience dealing directly with clients and providing a high level of service.

• Able to organise and prioritise own workload effectively, working to a high degree of autonomy.

• Demonstrate good teamwork, supporting colleagues to achieve team goals.

• High level of accuracy and concentration with ability to grasp new tasks quickly.

• Comfortable working across the MS Office suite of applications.

• Able to translate source data into insightful analysis that supports understanding and decision making.