Director, Commercial Cashflow Origination
My Client, an impressive and growing alternative lender/investment manager, seeks a Commercial/SME originator with strong experience across the debt finance/cashflow lending space.
The SME lending team provides tailored financing solutions to small and medium-sized enterprises (SMEs) across a variety of sectors. Specializing in flexible debt structures, the team enables businesses to scale and grow through expansion, acquisition, or working capital solutions.
Role Responsibilities:
1. Generate and execute new lending transactions working towards both individual and team targets.
2. Represent the business and maintain a consistent visible presence in the SME debt market, attending and hosting events for key stakeholders and growing the SME Debt Finance introducer network.
3. Maintain high standards of credit underwriting and legal completion documentation working in a collegiate manner with key internal and external stakeholders.
4. Support and develop team members in terms of origination activities, transaction structure negotiation, and career development.
5. Prepare financial spreads and risk rating scorecards.
6. Conduct company, industry, and market analysis to further assess obligor and guarantor credit quality.
7. Work closely with the credit function to ensure appropriate credit opportunities are sourced and delivered in line with framework and underwriting process requirements.
8. Support and develop Associate Directors in the team in terms of origination activities, transaction structure negotiation, and career development.
Suitable candidates will evidence:
1. Demonstrable track record of originating and leading new lending transactions in the UK SME Cashflow Lending and Leveraged Finance markets. Transactions can be both sponsor and non-sponsor backed, with cheque sizes between £1m-£20m.
2. Experience of loan documentation negotiation and execution (familiarity with LMA standards).
3. Experience of developing new business opportunities in the SME borrowing market with a pre-existing network of advisors/brokers/acquirers from whom to generate and underwrite new deals.
4. Current knowledge of the commercial lending market, including pricing, competitors, and products.
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