Director, Debt Finance
About The Position
OakNorth Bank is seeking a Director, Debt Finance to originate, structure, and execute commercial lending transactions, with a primary focus on commercial real estate (CRE) and mid-market corporate borrowers. This role involves conducting detailed financial analysis and credit underwriting, structuring loan facilities, and managing the end-to-end transaction lifecycle. The position requires developing and maintaining relationships with borrowers, sponsors, developers, and financial intermediaries, as well as identifying and evaluating new lending opportunities. The Director will also monitor portfolio performance and ensure compliance with internal credit policies. Collaboration with internal stakeholders, including credit, legal, and analytics teams, is essential.
Requirements
- Bachelor’s degree or equivalent in Mathematics, Finance or related quantitative field
- 5 years’ experience in commercial real estate (CRE) lending or commercial lending, including structured finance.
- Experience leading and independently executing lending transactions with limited supervision.
- Origination and execution of commercial lending or CRE transactions.
- Experience managing multiple concurrent lending transactions in a high-volume environment.
- Contributed to the development and implementation of internal processes to support lending operations and transaction execution.
- Financial modelling and credit analysis for debt transactions, including analysis of financial statements and cash flow projections.
- Preparation and presentation of credit memoranda to internal or external approval committees.
- Structuring loan facilities, including pricing, covenants, and collateral/security arrangements.
- Managing transactions through full lifecycle, including underwriting, approval, documentation, and closing.
- Managing relationships with borrowers, sponsors, and financial intermediaries in a lending or investment context.
- Financial modelling using Microsoft Excel.
- Credit risk assessment and underwriting methodologies for commercial lending transactions.
- Analysis of commercial real estate assets and corporate borrower financial performance
Responsibilities
- Originate, structure, and execute commercial lending transactions, with a primary focus on commercial real estate (CRE) and mid-market corporate borrowers.
- Conduct detailed financial analysis and credit underwriting, including evaluation of borrower financials, cash flow projections, and collateral performance.
- Structure loan facilities, including determination of pricing, covenants, security packages, and repayment terms.
- Prepare and present credit memoranda to internal credit committees to support transaction approvals.
- Manage the end-to-end transaction lifecycle, including origination, structuring, underwriting, approval, documentation, closing, and ongoing portfolio monitoring.
- Develop and maintain relationships with borrowers, sponsors, developers, and financial intermediaries to originate and execute transactions.
- Identify and evaluate new lending opportunities across commercial real estate asset classes.
- Monitor portfolio performance and identify opportunities for additional lending or refinancing with existing clients.
- Ensure all transactions comply with internal credit policies and approved terms.
- Collaborate with internal stakeholders, including credit, legal, and analytics teams, to structure and execute transactions.
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What This Job Offers
Job Type
Full-time
Career Level
Director
