The mission of a Director is to independently originate high quality new deals, which fit within the OakNorth thesis of supporting high quality entrepreneurs and profitable growing businesses. They are expected to take full end to end ownership, with a strong focus on credit discipline and driving customer delight. Play a key role in embracing / living OakNorth's entrepreneurial attitude.

• 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 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
• 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 provide full credit reports to sanctioning authority
• Maintain close relationships with customers and report to Credit in line with policy, in a timely manner
• Act in accordance with OakNorth Bank’s values at all times

• In depth understanding of SME lending, Real Estate and Trading Businesses
• 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.

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.