Director, Debt Finance - Real Estate

At OakNorth, we’re on a mission to empower the UK’s most ambitious businesses. Since 2015, we’ve lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.

Team Mission 🚀

This is an incredible opportunity to join a fast-paced, high-growth bank that’s redefining how business lending is done. At OakNorth, we’re not looking for another cog in the machine — we want bold, entrepreneurial thinkers who are passionate about backing the UK’s most ambitious business leaders.

As a Real Estate Director, you’ll be at the forefront of OakNorth’s mission to back the UK’s most ambitious entrepreneurs and growing businesses. You’ll have the freedom to originate and own high-quality deals end-to-end — from first conversation to successful close — with a sharp focus on credit excellence and delivering a standout client experience.

You’ll work closely with senior leadership and have the autonomy to shape your own portfolio, taking an entrepreneurial approach to every opportunity.

You will::
• Originate, structure, execute transactions that meet the lending requirements of OakNorth
• Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market
• Work as part of a team on the execution of real estate and property transactions
• Build the profile of the Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms
• Assess appropriate organic and inorganic growth opportunities for OakNorth in the market
• Spread financial accounts and financial modelling
• Analyse financial accounts and manage information and prepare credit memorandums
• Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment
• Ensure transactions are documented in accordance with credit approved terms and credit sanctions
• Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction
• Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality
• Ensure a high level of customer experience at all times
• Meet team and individual targets set by OakNorth ExCo, CEO and the Board
• Structure transactions appropriately, and prove full credit reports to sanctioning authority
• Maintain close relationships with customers and reporting to Credit in line with policy in a timely manner
• Act in accordance with OakNorth Bank’s values at all times

You have::
• In-depth understanding and strong network of the Real Estate market in and around London
• Excellent communication and customer-facing skills
• Good understanding of business processes, strategy and credit policies
• Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers
• Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions
• Legal documentation skills
• Experience in presenting credit cases internally to a credit committee
• Strong problem-solving ability
• Degree in Finance / Commerce or equivalent

About Us
We’re OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
Banking should be barrier-free. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools.
And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market.
But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed.
Our story
OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said ‘no’. Unfortunately, all major banks in the UK were using the same computer – and it was broken.
Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan?
The industry was backward-looking and too focused on historic financials, rather than future potential.
So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses?
No more what ifs, OakNorth Bank exists.

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