Structured Credit & Warehouse Lending Structurer

Overview

Join one of the UK’s fastest growing and award-winning banks.

We are a team of ambitious, passionate, hardworking, and committed people who have successfully created and launched one of the UK’s newest specialist property finance banks. As we embark on an exciting journey of growth, we are seeking exceptional new team members who possess both the ambition and drive to contribute to our vision. At GB Bank, we believe that career progression should not only be achievable but accelerated, enabling our employees to reach their potential in a supportive and dynamic atmosphere.

Our environment is fast-paced and collaborative, where your efforts are recognised, rewarded, and make a tangible impact. We take pride in fostering an open and inclusive culture that not only embraces change but also encourages continuous learning and professional development.

• Structured Credit & Warehouse Lending will play a key execution role within Capital Markets, supporting the build-out of a scalable, commercially viable, risk-managed and capital-efficient warehouse lending platform.
• The role will focus on structuring, executing and monitoring warehouse facilities, forward flow arrangements, securitisation and structured credit transactions across multiple asset classes, including SME lending, receivables finance, bridging finance, commercial real estate and specialty finance.
• The role holder will independently manage transaction work streams from initial assessment through to term sheet, due diligence, documentation, approval, funding and ongoing portfolio monitoring.
• The role will provide senior technical capability across borrowing base structures, advance rates, eligibility criteria, concentration limits, triggers, waterfalls, servicer arrangements, security structures, financial modelling, capital efficiency and return-on-capital analysis.
• The role will operate as a key execution and control resource for the Bank, reducing key-person dependency, strengthening transaction governance and supporting the safe scaling of the warehouse lending business.

• Lead the structuring and execution of warehouse lending facilities, forward flow arrangements, securitisations and other structured credit transactions.
• Develop transaction structures that appropriately balance credit risk, regulatory capital efficiency, commercial returns and operational practicality.
• Determine and assess advance rates, borrowing base mechanics, eligibility criteria, concentration limits, covenants, triggers, reserve accounts and waterfall structures.
• Prepare and negotiate indicative term sheets, transaction summaries, commercial proposals and internal approval materials.
• Run transaction work streams from initial opportunity assessment through to approval, documentation, funding and close.
• Analyse prospective originators, asset portfolios and historical performance data, including originations, arrears, defaults, recoveries, losses and collections performance.
• Review data tapes, asset-level stratifications, vintage analysis, unit economics and portfolio cashflows to support risk-based pricing and return assessment.
• Assess underwriting standards, credit policies, servicing capability, operational resilience and alignment with GB Bank risk appetite.
• Support pricing, capital efficiency, risk-weight and return-on-capital analysis for each proposed transaction.

• Coordinate due diligence requests with originators, arrangers, investors, legal counsel, auditors and other third-party advisers.
• Manage independent verification work streams, including EY / KPMG-style data, receivables and cash reconciliation diligence where required.
• Review due diligence findings and ensure appropriate mitigants, conditions precedent or structural protections are incorporated into transaction documentation.

• Work closely with internal and external legal counsel to negotiate facility agreements, security documents, servicing agreements, account control arrangements and related transaction documents.
• Ensure legal documentation accurately reflects agreed commercial terms, credit protections, governance requirements and operational processes.
• Coordinate completion of conditions precedent, legal execution checklists, closing deliverables and funding mechanics.
• Oversee onboarding of new facilities, including completion accounts, collection accounts, reporting templates, servicer obligations and collateral monitoring arrangements.
• Monitor live warehouse facilities through review of borrowing base certificates, investor reports, management information, covenant compliance and performance triggers.
• Identify emerging risks, limit breaches, collateral deterioration or reporting issues and escalate with recommended remediation actions.
• Support amendments, waivers, upsizes, refinancing activity and exit planning for existing facilities.