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.
This is an exciting opportunity to join a dynamic, fast‑growing bank known for challenging the status quo. We’re not looking for just another cog in the wheel — we want bold thinkers and proactive self‑starters who are eager to shape their own careers and support the UK’s most driven business leaders.
The Director’s mission is to independently originate high‑quality new deals that align with OakNorth’s focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end‑to‑end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight. Play a key role in embracing / living OakNorth's entrepreneurial attitude.
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 corporate finance / real estate / property / trading business transactions
* Build the profile of Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms
* Assess appropriate organic and inorganic growth opportunities for OakNorth Bank 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 transaction 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
* Have an overview of ongoing relationship management and client experience
* Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality
* Ensure 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 network of SME lending, Operational Real Estate and the Healthcare market within the North of England
* 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 case 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. Our story began in 2005 when our founders sought capital for their data‑analytics company and faced a banking system that could not accommodate their needs. This frustration led to the founding of OakNorth, a bank that offers a dramatically better borrowing experience for businesses.
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