Director, Debt Finance - Real Estate

Director, Debt Finance - Real Estate ut the role Oak North is a forward-thinking and innovative bank dedicated to empowering businesses and their communities. Since our establishment in 2015, we have successfully provided over $21 billion in loans across the UK and the US, contributing to the creation of more than 58,000 homes and 36,000 jobs while supporting numerous personal savers.

We are currently looking for a proactive Director of Real Estate Debt Finance who will spearhead the origination of high-quality transactions that resonate with our mission of supporting ambitious entrepreneurs and flourishing businesses. This position offers significant autonomy in selecting deals and necessitates a strong emphasis on credit discipline and customer satisfaction.

Location:

Birmingham Engagement:
Full-Time, On-Site Compensation:
Competitive salary based on experience

• Take the initiative to originate, structure, and finalize transactions that meet Oak North's lending standards.
• Build and strengthen existing customer relationships while actively seeking new opportunities in the market.
• Work collaboratively with the team to execute real estate and property transactions effectively.
• Increase the bank's presence in the external market by engaging with SMEs, KBIs, advisors, and private equity firms.
• Identify and evaluate potential organic and inorganic growth opportunities for Oak North.
• Prepare and scrutinize financial statements and develop financial models to support decision-making.
• Analyze financial models, including projected cash flows and sensitivities, to assess debt capacity and repayment capabilities.
• Ensure all transactions are documented in accordance with approved credit terms and conditions.
• Meet individual and team objectives related to profitability, credit quality, customer acquisition, retention, and overall satisfaction.
• Innovate product offerings to enhance customer experience while ensuring asset quality is maintained.
• Deliver consistently high levels of customer service to all clients.
• Achieve performance targets set by Oak North's Executive Committee, CEO, and Board.
• Structure transactions effectively and prepare comprehensive credit reports for the sanctioning authority.
• Maintain robust relationships with clients and ensure timely communication with the credit team in line with policy requirements.
• Embody Oak North Bank's core values in all professional activities.

• In-depth knowledge and a strong network within the Real Estate sector, particularly in the North.
• Excellent communication and interpersonal skills to foster relationships.
• Comprehensive understanding of business processes, strategic planning, and credit policies.
• Proficiency in credit analysis, financial evaluation, and modeling, with the capability to produce high-quality, structured credit documentation.
• Experience in analyzing senior, stretched senior, and mezzanine cash flow unsecured transactions.
• Familiarity with legal documentation relevant to real estate financing.
• Proven track record of presenting credit cases to a credit committee effectively.
• Strong analytical and problem-solving abilities to navigate complex financial scenarios.
• A Bachelor's degree in Finance, Commerce, or a related field is required.

• Experience in managing a team or mentoring junior staff members.
• Familiarity with alternative financing solutions and innovative financial products.
• Previous experience in a banking or financial services environment focused on real estate.

• Proficient in financial modeling and analysis tools.
• Knowledge of credit assessment methodologies and best practices.
• Experience with relationship management software to enhance client interactions.

• Please note that visa sponsorship is not available for this position.
• Our benefits package includes health insurance, retirement plans, and opportunities for professional development and growth.

Join us at Oak North and be part of a team that is redefining the banking experience for businesses and communities alike.

Your expertise in real estate debt finance could play a pivotal role in our mission to support ambitious entrepreneurs and foster economic growth.

We look forward to receiving your application!