OVERALL SUMMARY
At Close Brothers we look to recruit individuals from all different backgrounds and encourage you to apply even if you don’t tick every box. We celebrate diversity, promote inclusivity and are open to discuss flexible work options to help you balance your work and home life.
Join Close Brothers and play a key role in shaping and growing our Commercial Mortgage offering, now transitioning from pilot into an exciting growth phase. In this role, you will originate, structure and deliver owner-occupied commercial mortgage solutions to UK SMEs, primarily across the South of England.
You will drive new business through strong relationships with internal sales teams, brokers and customers, taking deals from initial engagement through to credit approval and completion. Alongside this, you will manage your portfolio throughout the life of each loan, ensuring a consistently high standard of service and risk management.
We are looking for someone with a proven track record in new business development within owner-occupied commercial mortgages, backed by strong financial and credit skills. You will bring resilience, accountability and a proactive approach to growing a high-quality loan book.
This is a field-based role, so you will be based from your home office but will spend a significant amount of time on the road meeting customers. Covering the South of England and Wales, the ideal location would be along the M4 corridor, although we are open to candidates with good access to the region.
RESPONSIBILITIES
New Business Development
-
Drive new business in the Commercial Mortgages product through engagement with the Asset Finance and Invoice Finance Sales teams, brokers, and directly with customers.
-
Review and triage Commercial Mortgages leads, progressing transactions within credit appetite.
-
Negotiate and structure the terms of transactions with customers.
-
Prepare comprehensive credit proposals and present these to credit for underwriting.
-
Engage with external valuers and solicitors to support underwriting and security perfection.
-
Achieve personal annual lending targets agreed with the Managing Director.
Management Information
-
Maintain accurate records of leads, opportunities, and transactions in Salesforce to enable reporting on the sales process.
-
Prepare and present reporting on sales and credit performance for the senior leadership and credit teams.
Portfolio Management
-
Perform periodic reviews of a portfolio to ensure the mortgages are performing as expected and the information held on our systems is up to date.
Product Development
-
Conduct regular reviews of the external competitive environment ensuring the appropriate measures are implemented to grow market share.
-
Take an active role implementing new business initiatives and ensure these are transparent and well governed.
Relationships
-
Develop and nurture relationships with internal stakeholders (e.g. Credit, Operations and Customer Support & Collections).
-
Build and maintain an effective panel of brokers and introducers to source new business opportunities.
Risk & Compliance
-
Support Customer Support and Collections colleagues in the management of stressed / forborne exposures and collections & repossessions activities.
-
Ensure that all Governance and Compliance requirements are adhered to and all reporting and reviewing activities required by the Regulatory Bodies are carried out to the standards required.
-
Exercise appropriate skill, care and diligence in the performance of the role and management of the business.
WE WOULD LOVE TO HEAR FROM YOU IF:
-
Strong experience of owner occupied commercial mortgage lending to UK SMEs.
-
Good knowledge of analysing, reviewing and structuring finance transactions.
-
Ability to analyse statutory accounts and management information to structure deals with appropriate covenants, affordability logic and mitigants.
-
Adaptable and flexible, with a client focused approach.
-
Ability to build rapport and communicate effectively with stakeholders at all levels, both internally and externally.
-
Results oriented, with a track record of consistently achieving or exceeding targets.
-
Self-motivated and highly organised, with the ability to independently manage structured contact strategy.
-
Strong commercial acumen and an understanding of industry trends and business drivers.
-
Excellent negotiation, presentation and closing skills, with a consultative approach to selling.
-
Excellent diary management, with ability to prioritise and coordinate schedules effectively.
-
Ability to identify and mitigate risk.
We are committed to providing an inclusive and accessible recruitment process. We recognise that candidates may have specific needs that require adjustments to ensure they have a fair and equal opportunity to demonstrate their skills and abilities. Candidates who require the job description or application form in an alternative format, or any other adjustments, are encouraged to email us at [email protected] or request a call back.
ABOUT US
At Close Brothers we support employees to balance their work life priorities and in this role you will be able to enjoy a mixture of hybrid working.
Close Brothers is a leading UK merchant banking group providing lending, deposit taking and securities trading. We employ approximately 3,000 people, principally in the United Kingdom and Ireland. Close Brothers Group plc is listed on the London Stock Exchange and is a constituent of the FTSE 250.
To find out more about Close Brothers, please visit our careers page: https://www.closebrothers.com/careers
To find out more about life at Close Brothers:
https://www.closebrothers.com/life-close-brothers#374017299-899295541
To find out more about our benefits:
https://www.closebrothers.com/employee-benefits
To find out more about our commitment to creating an inclusive environment:
Our Responsibility - Diversity and inclusion ¦ Close Brothers Group
#LI-JN1 #LI-Remote #LI-CBAFL
At Close Brothers Group, we are all connected by our mission to be the best place in the UK for wealth professionals and their clients.
We believe that everyone should think ahead, have a financial plan and invest wisely. Our clients are professionals, business owners, individuals, charities, families, and employers, who rely on our clear financial advice and investment management services to preserve and grow their long-term savings and investments.
We are a team of about 900 people based in 15 offices across the UK. Our geographic footprint means we can combine a local approach with face-to-face services to enable strong, long-term relationships with our clients.
Sustainability is fundamental to our purpose and we have a responsibility to help address the social, economic and environmental challenges facing our business, colleagues and clients. We strive to do the right thing and are dedicated to helping the charities that matter most to our people.
Our vision is to develop an open and inclusive company that ensures everyone is valued, respected and included, so that in years to come our business will represent a diverse and inclusive workforce from the top down.
We look to recruit individuals from all different backgrounds. If this job is of interest to you but you do not meet every criteria then we encourage you still to apply as we are open to providing training opportunities. As an early adopter of hybrid working we are open to discussing all types of flexible working options, helping you to balance your work and home life.
