Lending Director

Who we are

We summarise our strategy as Excellence through Specialism. Agile and highly focused, HTB concentrates on those segments of our target markets where we can add value and can advantageously deploy our experience, expertise, research and analysis to secure and sustain superior risk adjusted returns.

We lend principally to small and medium sized UK based enterprises to support a range of business needs. Our credit philosophy is founded on lending against strong underlying cash-flows and a demonstrable capacity to repay and, of course, this approach is aligned with our commitment to optimising customer outcomes.

Our vision is to be the go-to bank in our chosen markets, to deliver positive customer outcomes, rewarding careers and great shareholder value through a high-performing culture grounded in excellence and integrity.

About the role:

The Data Lead will provide comprehensive support to both the Savings division and the Marketing function, ensuring data is understood, controlled and suitable for business and wider stakeholder consumption. They will be responsible for overseeing the development, management, and maintenance of the division’s Tableau report suite, ensuring its accuracy and integrity, to support business intelligence and decision-making.

Key Areas

• Originate a portfolio of high quality property development loans and client relationships ensuring that the Bank meets its strategic goals and that the Department exceeds its target financial performance.
• Full lifecycle management of deals from initial enquiries/proposals, negotiations with all parties, submissions to Credit Committee, through to loan drawdown and on-going monitoring during term. This part of the role is supported by the Development Finance Case Management team.
• Assume primary responsibility for a portfolio of customer relationships ensuring that the Bank’s interests are protected at all times and that the conduct of loans is in line with expectations through to full repayment.

Qualifications/Experience

• Proven track record of successful residential and commercial property lending
• Extensive and established contacts within the UK commercial property sector across borrowers, lawyers, valuers, surveyors and other professional intermediaries
• In-depth knowledge of, and enthusiasm for, residential and commercial property development
• Understanding and appreciation of market trends and an ability to create innovative funding solutions to meet changing market opportunities

Competencies/soft skills:

• Excellent communication and stakeholder engagement skills
• Exceptional organisational and time management skills.
• Strong abilities to identify, analyse and solve problems including the ability to learn skills

Our Values

Our values are at the heart of HTB; they govern our decisions, guide our behaviours and underpin everything we believe in. If our values match yours, we would love to hear from you about becoming part of the team!

Customer matter

• We listen to our customers
• We value customer relationships over transactions
• We strive to deliver what customers want, when they want it, how they want it
• We prioritise customer outcomes over corporate expediency

We deliver

• We approach everything we do with discipline and set high standards
• We do more with less and embrace change
• We are fanatical about financial rigour and risk discipline
• We execute consistently with speed and accuracy
• We constantly strive to improve
• Integrity without compromise
• We always aim to do the right thing - we don’t duck hard choices
• When we make a mistake we own up and fix it
• We are open and honest in all our communication
• We treat innovation and fresh thinking as an opportunity not a threat

People Power

• We are a meritocracy
• We empower people and make them accountable
• We encourage our people to learn and grow
• We challenge each other honestly & constructively
• We work as a team
• We know diversity makes us stronger
• We celebrate success