Director, Debt Finance - Operational Real Estate​/Healthcare

At Oak North, we’re on a mission to empower the UK’s most ambitious businesses. Since 2015, we’ve lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.

This is an exciting opportunity to join a dynamic, fast‑growing bank known for challenging the status quo. We’re not looking for just another cog in the wheel — we want bold thinkers and proactive self‑starters who are eager to shape their own careers and support the UK’s most driven business leaders.

The Director’s mission is to independently originate high‑quality new deals that align with Oak North’s focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end‑to‑end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight, and playing a key role in living Oak North’s entrepreneurial attitude.

• Originate, structure, and execute transactions that meet the lending requirements of Oak North
• Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market
• Work as part of a team on the execution of corporate finance, real estate, property, and trading business transactions
• Build the profile of the Bank in the external market with, for example, SMEs, KBIs, advisors, and private equity firms
• Assess appropriate organic and inorganic growth opportunities for Oak North Bank in the market
• Spread financial accounts and financial modelling
• Analyse financial accounts, manage information, and prepare credit memorandums
• Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment
• Ensure transactions are documented in accordance with credit approved terms and credit sanctions
• Meet team and individual targets including profit, credit quality, new customers, retention, and customer satisfaction
• Have an overview of ongoing relationship management and client experience
• Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality
• Ensure a high level of customer experience at all times
• Meet team and individual targets set by Oak North ExCo, CEO, and the Board
• Structure transactions appropriately, and provide full credit reports to sanctioning authority
• Maintain close relationships with customers and report to Credit in line with policy, in a timely manner
• Act in accordance with Oak North Bank’s values at all times

• In depth understanding and network of SME lending, Operational Real Estate, and the Healthcare market within the North of England
• Excellent communication and customer facing skills
• Good understanding of business processes, strategy, and credit policies
• Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers
• Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions
• Legal documentation skills
• Experience in presenting credit case internally to a credit committee
• Strong problem solving ability
• Degree in Finance / Commerce or equivalent

Oak North Bank was built on the foundations of frustrations with old‑school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said ‘no’. Unfortunately, all major banks in the UK were using the same computer – and it was broken. Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan?

The industry was backward‑looking and too focused on historic financials, rather than future potential. So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses? No more what ifs, Oak North Bank exists.

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