Investment Backed Lending Specialist

London, United Kingdom

Investment Backed Lending Specialist

London, United Kingdom

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The Business

Join Coutts in London as an Investment Backed Lending Specialist

  • This high profile role in the Private Banking Lending & Capital Management team will see you delivering the strategically important Investment Backed Lending credit product in the UK and Jersey, and so supporting the bank's overall sustainable credit growth
  • You will provide end-to-end transaction support – including analysis of large or complex transactions – which balances the needs of our clients with our commercial aspirations and the demands of broader stakeholders, such as regulators
  • You will be a key member of the growing Collateral Evaluation & Monitoring Team, who act as the centre of excellence for determining collateral eligibility and lending values for financial assets, and carry out market risk management for the bank’s financial collateral pool

What you'll do

Your role will support the development and delivery of the Investment Backed Lending credit product, keeping a careful hold on the correct balance of risk and reward. You'll provide guidance to the coverage teams on individual transactions, with particular focus on larger or more complex deals, such as single stock or non-diversified portfolios. You will provide further support by both developing and maintaining internal and external product documents, such as sales guides, aide memoirs and user manuals, and by delivering training to the coverage teams and other stakeholders. You'll also contribute to reviewing our risk appetite on an ongoing basis, and will help to establish operating procedures and controls which meet policy requirements. Other key aspects of your role will include:

  • Supporting overall risk management across all segments, portfolios, Investment Backed Lending product families, brands and legal entities of Coutts, making sure that we remain in risk appetite
  • Actively challenging existing processes and any barriers to achieving Coutts' objectives
  • Considering the adequacy and effectiveness of the business’s controls on a regular basis, and escalating any issues identified
  • Preparing and delivering high quality reports and presentations to key stakeholders, and more broadly across Coutts where required
  • Acting as a role model for Collateral Evaluation & Monitoring, building and nurturing a network of contacts to benefit the bank

The skills you'll need

We're looking for someone with experience of investment backed lending, with good knowledge and experience of the investment backed lending market – a product management or credit structuring background would be welcome, and an understanding of offshore jurisdictions is preferred. You should be a proven strategic thinker, and will have a good understanding of equities, debt, foreign exchange and interest rates markets – including the key drivers of changes in price or volatility – investment products and collateral analysis. We'll also expect:

  • Experience of developing relationships with the credit function and banker communities locally, regionally and at organisational level within a financial services firm
  • An understanding of policy frameworks, regulatory obligations and risk management as they apply to investment backed lending products
  • The ability to simplify complex and conflicting tasks and policy positions, making sure they are effectively managed and communicated
  • Excellent communication skills, both verbally and in writing
  • Excellent Microsoft Excel, Word and PowerPoint skills

How we'll reward you

In return, we offer a competitive salary plus 30% cash and benefit funding programme that can be tailored to suit your individual needs. In addition, we provide a wide selection of exclusive lifestyle offers, development and learning programmes, services and support designed to help you manage and balance your work/life priorities.

Visit our reward and benefits page for more information on the benefit packages we offer.


At Coutts, we want everyone to feel welcome, regardless of your background or needs. If you need adjustments making to your working environment, we’ll do everything we can to support you. As part of this commitment, we offer flexible working options for some of our roles - find out more.

As a Financial Services organisation we comply with and support the requirements set by our Regulator, the Financial Conduct Authority (FCA), which are designed to protect our customers. This role falls under Conduct Rules of the Individual Accountability Regime (IAR) and is subject to pre-employment screening. This means if your application is successful, you’ll need to satisfy some important background checks before you can start working with us. These will include a full credit check, a criminal record check, residency and right to work checks.

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