Loans Agency

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Description of role and key responsibilities

The Real Estate Loans Agency role will be required to act as primary contact for Borrowers, Lending Business Units, Syndicated and Sub Participants in respect of the receipt and distribution of Financial and Legal Covenants, consent and waivers, and all other necessary communications to internal and external stakeholders.

What will you be doing?

• Review of Documentation and set up of Debt Domain, to include Lender data, permissions, folder structure (sub folders if required), launch the site to Lenders, and send invitations to Borrower to upload Covenant/ Financial Information
• Liaise with New Borrowers to ensure they understand how to use Debt Domain to post Covenant Items
• Creation and maintenance of Covenant diary schedules to pro-actively manage timely receipt of Covenant information
• Tracking all Lender transfers and updating Debt Domain to reflect new Lender pools
• Attending front end Lending Desk meetings to understand strategy and volume changes
• Executing Secondary trade documentation as Agent Bank, to include Outside Assignments and where IBP are trade counterpart
• Retrieving KYC information on Outside Assignments
• Collate New Lender With-Holding Tax forms, where appropriate, such as W8 & W9 Ben forms
• Filing of relevant documentation in Debt Domain – inclusive of permission control and access rights
• Checking Covenant / Financial Information to ensure receipt fully complies with legal covenant clauses in Facility Agreements
• Timely distribution of Covenant Items to syndicate lenders and sub participants via Debt Domain
• Escalation of Covenant Breaches to Lending Business Unit, and communication of Breaches to Syndicate Lenders and Sub Participants
• First point of contact for all Lender and Sub Participant queries in relation to Covenants
• Production of Risk Event write up's and analysis to close out gaps and reduce risks within the operating environment
• Managing consent and waiver applications with internal stakeholders and external syndicate lenders/ stakeholders
• Production of Desk Level MI and KRI's
• Production of operational KRI's to assist with the oversight and governance of SA Lending Servicing team.

What are we looking for in you?

Technical knowledge

• Exposure to Real Estate including development deals
• Extensive experience within a loan agency role
• Strong experience over a broad and complex product range, including security and covenant management
• Ability to interpret and operationalise complex credit, ancillary & security documentation
• Strong Understanding of lending risk environment
• Understanding of downstream implications, including finance, funding, risk reporting (market, operational and credit).
• System knowledge and flexibility, ability to navigate and adapt to changes through a constantly changing technical environment
• Strong understanding and ability to correlate covenants to credit risk and portfolio analysis

Skills

• Ability to negotiate documentation, requirements, and verbal interactions
• Pro-active “can do” approach with the ability to problem solve in a collaborative environment
• Ability to work under pressure and manage high volume
• Strong analytical mind-set
• Strong verbal and written communication skills and ability to build and manage relationships with all stakeholders
• Must be driven to facilitate, drive change and optimise efficiencies
• Illustrate an elevated level of emotional intelligence, coach ability, self-motivation, and positive temperament
• Be accountable and take ownership for the role

Any other attributes that would be helpful, but not essential for the role.

• Knowledge of relevant Investec policies and procedures
• Loan IQ experience
• Knowledge of relevant Investec IT Applications
• Knowledge of Investec Authorisation Processes
• Extensive and diverse knowledge of the range of IBP lending products currently under management

If this is the role for you, click apply today and the team will be in touch shortly!

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.

Here is a selection of what we offer;

Wellbeing

Wellbeing Subsidy, Corporate Gym Membership, Virtual GP, Peppy Health App (Fertility, Menopause and Early Parenthood), Optional Private Medical & Dental Insurance

Monetary

Non-contributory Pension & Discretionary Bonus

Life & Income Protection

Life Assurance, Critical Illness & Income Protection

Travel

Season Ticket Loan & Electric Vehicle Scheme

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.

Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same – if the role excites you, please don't let our person specification hold you back. Get in touch!

Recite Me

We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages. This can be accessed by clicking on the ‘Accessibility Options' link at the top of the page.

The Recite Me tool includes a screen reader, styling and customisation options, a series of reading aids, a translator and more.

If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at [email protected] who will be happy to assist.