Background information about the job or company

Candidates suited for the Specialized Lending role will bring deep expertise in structuring and delivering complex lending solutions across commercial property, asset‑based lending, mortgage lending and multi‑product credit arrangements. They will demonstrate the ability to conduct thorough financial and portfolio analyses, provide sound aligned advisory insights, and design tailored lending structures that meet the unique needs of affluent and wealth clients. Mastery of debt consolidation, loan restructuring, risk assessment, and financial due diligence—paired with a strong understanding of banking compliance requirements is essential to ensure high‑quality, compliant, and impactful lending solutions.

Successful candidate will be commercially astute specialist who partner seamlessly with Relationship Managers to originate, structure, motivate, and execute sophisticated lending deals that grow the debt book and maximise client value. They will possess strong stakeholder engagement skills, influencing credit teams, valuators, legal partners, and risk functions to deliver fast, high‑quality outcomes.

Qualifications or requirements

Type of Qualification: First Degree

Field of Study: Business Commerce. Legal, Finance or any other related field

Experience needed

7+ years

7 Years' general banking experience with exposure to the entire retail and corporate banking value chain and 3 years of exposure to credit with particular focus on Commercial property and complex deals.

Clear understanding of lending value proposition and delivery strategy as well as thorough knowledge of the code of banking practice.

Deep understanding of lending value propositions and delivery strategies, supported by strong knowledge of the Banking Practice and end‑to‑end credit processes, including assessment, approval, and risk mitigation

Proven capability in structuring and executing complex lending solutions, including asset‑based lending, mortgage lending, and debt consolidation, with the ability to tailor solutions to diverse client needs

Demonstrated track record of collaborating with Relationship Managers and influencing credit, risk, compliance, valuators, and legal partners to deliver timely, high‑quality lending outcomes

Experience in coaching or upskilling lending specialists, especially in navigating complex or specialized deal structures

• Structuring and delivering complex lending solutions across commercial property, asset‑based lending, mortgage lending and multi‑product credit arrangements.
• Conducting thorough financial and portfolio analyses.
• Providing sound aligned advisory insights.
• Designing tailored lending structures that meet the unique needs of affluent and wealth clients.
• Mastery of debt consolidation, loan restructuring, risk assessment, and financial due diligence.
• Ensuring high‑quality, compliant, and impactful lending solutions.
• Partnering seamlessly with Relationship Managers to originate, structure, motivate, and execute sophisticated lending deals.
• Growing the debt book and maximising client value.
• Influencing credit teams, valuators, legal partners, and risk functions to deliver fast, high‑quality outcomes.

• Expertise in structuring and delivering complex lending solutions.
• Financial and portfolio analysis.
• Advisory insights.
• Debt consolidation.
• Loan restructuring.
• Risk assessment.
• Financial due diligence.
• Banking compliance requirements.
• Commercial acumen.
• Stakeholder engagement.
• Influencing skills.
• Coaching or upskilling lending specialists.

• First Degree in Business Commerce, Legal, Finance or any other related field.
• 7+ years of general banking experience with exposure to the entire retail and corporate banking value chain.
• 3 years of exposure to credit with particular focus on Commercial property and complex deals.
• Clear understanding of lending value proposition and delivery strategy.
• Thorough knowledge of the code of banking practice.
• Deep understanding of lending value propositions and delivery strategies.
• Strong knowledge of the Banking Practice and end‑to‑end credit processes, including assessment, approval, and risk mitigation.
• Proven capability in structuring and executing complex lending solutions, including asset‑based lending, mortgage lending, and debt consolidation.
• Demonstrated track record of collaborating with Relationship Managers and influencing credit, risk, compliance, valuators, and legal partners.
• Experience in coaching or upskilling lending specialists.