Director, Debt Finance - Real Estate & Trading Businesses

We're looking for a Director to join our Debt Finance team in London. This high‑impact front‑office role focuses on originating, structuring, and executing transactions across trading businesses (cash‑flow lending) and real‑estate and operational real‑estate.

You’ll take full ownership of transactions from first conversation through credit approval and completion, working directly with entrepreneurs, sponsors, and intermediaries.

• Originate, structure, and execute transactions that meet Oak North’s lending requirements.
• Manage and further develop existing customer relationships, identify 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 SMEs, KBI, advisors, and private equity firms.
• Assess appropriate organic and inorganic growth opportunities for Oak North in the market.
• Spread financial accounts and financial modelling.
• Analyse financial accounts 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 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 whilst maintaining asset quality.
• Ensure a high level of customer experience at all times.
• Structure transactions appropriately and produce 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 of SME lending, real‑estate, and trading businesses.
• Good understanding of banking and financial services products and a strong grasp of IFRS 9.
• 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 high‑quality structured credit papers.
• Experience in the analysis of senior, stretched‑senior and mezzanine cash‑flow unsecured transactions.
• Legal documentation skills.
• Experience presenting credit cases internally to a credit committee.
• Strong problem‑solving ability.
• Degree in finance, commerce or equivalent.

• Equity – stake in the business.
• 25 days holiday.
• Personalised benefits – opt‑in to what matters to you.
• Subsidised private medical insurance with Bupa.
• Enhanced maternity and paternity leave.
• Well‑being and social events.
• In‑house barista bar in London office.
• Volunteering time off to support causes that matter to you.
• Salary sacrifice schemes (cycle‑to‑work, nursery, gym, electric car scheme).