Lending Manager

LHV Bank, a fully licensed UK bank, specialises in Savings, Banking Services for global fintechs, and SME Lending solutions for UK businesses, offering commercial real estate investment and trading loans from £0.5m. As a leading provider of real-time multi-currency payments, accounts, acquiring, indirect scheme access, open banking, and FX solutions, LHV Bank supports 200+ fintech companies, including Airwallex, Currencycloud, Truelayer, and Wise, serving 10 million+ end customers and reaching a potential market of 500 million across the UK and Europe.

After obtaining its UK banking licence in May 2023, LHV Bank entered the retail savings market via deposit aggregators in August 2023, followed by the launch of its direct-to-customer retail banking proposition in December 2024.

For more information, visit lhv.com.

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 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
• Numerate
• Ability to maintain and develop good working relationships
• Able to work effectively as part of a team

Some of our benefits

•    Competitive salary & progression
•    Open and inclusive culture 
•    Hybrid working 
•    Fantastic offices and great working environment
•    Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)
•    Medicash health plan (Level 3)
•    5% employer pension contribution
•    Life assurance
•    Income protection insurance
•    28 days holiday plus 3 additional days, bank holidays & further days for various key life events
•    Team socials