• Profile
Job Description
  • Use your knowledge and experience to assist with the management of the growing lending book assisting with the unique needs of Owner Managed Independent Businesses and Private Clients.
  • Actively contribute within the Portfolio Control Team, providing support to the first line and second line Teams.
  • Review Procedure documents, making updates and improvements when efficiencies and best practices or regulation changes are identified. 
  • Assist managing and monitoring a well-balanced lending book for the Bank.
  • Work closely with Commercial and Private Bankers and their assistants to ensure the growing lending book is well controlled and monitored
  • Help administer syndicated/club deal transactions with other Financial Institutions
  • Assist with the set-up of systems and procedures to assist the team and the wider Bank
 
Key Responsibilities

Risk Management

  • Assist bankers and their assistants in monitoring risk issues across the lending book
  • Help ensure that risk appetite policy is adhered to
  • Monitor covenants across the Commercial and Private Banking Teams
  • Act as FLOD control checker for covenants recording testing and reporting.
  • Develop and ensure that good MI is available for exposure levels and metrics for various lending sectors, to analyse, monitor and report on to Senior Management and Credit Risk
  • Liaise with Credit Department/Credit Operations to ensure controls are effective
  •  Compile a list of outstanding Conditions subsequent and maintain a log, advising bankers when the Condition is due to be completed by, to monitor timely completion.
  • Assist Bankers with LMA Documentation negotiations and provide oversight to ensure documentation is correctly structured to protect the Bank’s interests.
  • Assist Bankers and Credit Operations to accurately document bespoke covenants and key terms of approval within documentation.
  • Identify and discuss training requirements for Bankers that have been identified through the interactions with Bankers, when documenting LMA and non-standard / bespoke covenants and conditions

Client Service 

  • Managing performance of yourself to help deliver demanding business targets and ensure unwavering commitment to service excellence
  • Developing relationships with key stakeholders across the business
  • Take responsibility for your risk and regulatory performance when assisting with client acquisition 

Risk

  • Responsible for managing risks inherent to the role by diligently observing internal policies and procedures 

Key Interfaces

  • Clients (& Client representatives)
  • Banking teams – Commercial and Private Bankers and Commercial and Private Banking Executives.
  • Directors - Commercial and Private Banking
  • Back-office departments (including working closely with Credit, Risk & Compliance, Risk Reporting, Credit Operations and Operations departments)
Person Specification

Knowledge / Experience

  • You will have a background in Commercial Banking or Commercial Credit Risk, with experience across the financial services industry and knowledge of the commercial business market
  • Commercial or Private Banking experience dealing with Owner Managed Independent Businesses would be considered helpful
  • Real Estate lending experience would also assist
  • Track record of helping to deliver a well controlled credit risk environment 

    Skills
  • Good Interpersonal skills and collaboration
  • Ability to complete multiple tasks often within a tight timescale to an accurate level.
  • Credit Risk knowledge
  •  Demonstrable high competency levels with Microsoft Office Excel and PowerPoint 

Qualifications

  • Relevant Banking Qualifications desirable 

Competencies

  • Planning & Reviewing
  • Team Working
  • Influencing Others
  • Problem solving and judgement
  • Working proactively
  •  Client Focus
About Us
Arbuthnot Latham is an independent Bank offering comprehensive Private and Commercial Banking, Wealth Management and Investment Management services.  Serving its customers since 1833, Arbuthnot has successfully navigated many turbulent periods of economic instability and has a long track record of profitability. Today it has offices in London, Exeter, Manchester and Dubai where it manages the financial affairs of c.3,500 HNW individuals and 100 corporates. Arbuthnot Latham prides itself on the quality of its service and has built its reputation on understanding the needs of its clients.