Originate and develop new lending relationships with non-bank specialist lenders, building a high-quality pipeline across bridging, development finance and other speciality finance assets
Lead the structuring and end-to-end execution of new facilities and upsizes, from initial terms and credit approval through to documentation, drawdown and ongoing management
Act as the senior relationship owner for an allocated portfolio, representing the Bank with counterparty management teams and leading regular portfolio review discussions
Take full ownership of annual reviews, amendments and upsizes, ensuring robust credit assessment, timely approvals and strong governance
Identify growth opportunities within existing relationships, working closely with Credit, Legal, Risk and Compliance colleagues
Prepare and present high-quality credit papers to Credit Committee, confidently articulating complex financial, structural and risk considerations
Monitor portfolio performance, analysing borrowing base data, loan tapes and management information, and proactively escalating emerging risks or trends

We're keen to hear from people who bring strong technical expertise and a collaborative, values-led mindset. You'll likely bring:
Significant experience in speciality finance or a closely related area such as asset-based lending, warehouse lending or ABS
A proven track record in both origination and in-life portfolio management within the UK non-bank lending market
Strong understanding of lender operating models, funding structures and the UK regulatory environment
Confidence analysing complex loan data, cashflows and collateral, with the ability to challenge constructively and identify risk early
Experience authoring and presenting credit proposals to senior Credit Committees
Well-developed financial modelling and scenario analysis capability
The presence and credibility to build trusted relationships with senior internal and external stakeholders

Secure Trust Bank is a well-funded, specialist UK retail bank with over 70 years' experience supporting consumers and businesses to fulfil their ambitions. We're ambitious about the future - strengthening our position as the UK's most trusted specialist lender while continuing to evolve our culture, capabilities and ways of working.

Collaboration - working together across disciplines to achieve the best outcomes
Customer focus - keeping customers and counterparties at the centre of our decisions
Risk awareness - balancing growth with strong credit and conduct standards
High performance - recognising delivery, integrity and impact

1 Secure Trust Bank Ltd jobs in England & Wales