Benefits of working at Charles Street
* 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
* Free access to company holiday homes
* Buy & sell holidays
* Discretionary annual bonus plus an additional Shared Reward Bonus
* Matched pension contribution
* Health cash plan plus Private medical insurance
* Life assurance and Critical illness cover
* Travel season ticket loans and Ride to work scheme
* Free local gym access
* Local bar / restaurant discounts
Company Description
Charles Street Finance ("CSF") is a specialist secured lender based in Cheadle, South Manchester. Established in 1983, we’re a small team but have doubled the size of the loan book over 2 years such that we are seeking to grow and enhance the existing personnel in key areas to further facilitate our ambitions.
We are all about a common-sense proposition built around attention to detail and speed of response whilst always putting the customer at the heart of everything we do.
A can-do approach fuels our speed of response from enquiry through to payment. Honesty and integrity are fundamental principles across the customer journey and the many long-standing relationships we have cultivated are testament to our service levels and reliability.
Job Description
As our Lending Manager, you will look after our Sub Charge Lending business, you will be focused on managing the Sub-Charge product and portfolio. With oversight and management of our Sub-Charge Lenders, you will support the business to make good lending decisions for Sub-Charge, whilst outstanding customer service. Covering Bridging finance, Buy-to-let, commercial mortgages, Development Loans.
As our Lending Manager, we are looking for someone to:
* Manage the Charles Street Sub-Charge business: including the review and onboarding of new Lenders
* Ensure the successful management of the Sub-Charge Lending portfolio – evaluating, approving and escalating loan applications on a case-by-case basis. Co-ordinating audits, supporting processes and policies to ensure efficient and effective operations. Overseeing the legal and on-boarding process from inception through to completion
* Portfolio and relationship manage all Sub-Charge Lenders; attending regular meetings and evaluating their credit worthiness
* Underwrite Sub-Charge mortgages with recommendations provided to mandate holders
* Manage the application and performance of aggregate credit limits (ACLs) across the Sub-Charge lenders
* Managing Sub Charge lenders MI & reporting requirements, ensuring MI received, reviewed and reported upon in a timely manner and, where necessary escalated with recommendation provided to Senior Management
Qualifications
Essential
* Lending/underwriting experience across residential and commercial assets
* Ability to assess portfolio risk for both existing and potential exposures
* Relationship management experience
* Strong understanding of credit risk management principles across the credit lifecycle
* Ability to pro-actively maintain and analyse accurate portfolio MI
* Leadership experience of managing/working as part of a high performing corporate lending team
* Ability to influence at all levels
Desirable
* Experience of working in the specialist lending / bridging industry
If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you regarding your suitability for the role.
Additional Information
Charles Street embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
Click here for more information on our Recruitment Process
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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