Lending Manager

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.