Loan Origination

A leading financial institution is seeking a Loan Origination Vice President to join their London team, focusing on bridging and development loans for SME borrowers. This role offers you the opportunity to shape the future of property finance by driving high-quality pipeline growth, ensuring robust underwriting standards, and nurturing strong stakeholder relationships. You will be at the heart of commercial decision-making, balancing prudent risk management with regulatory compliance and an outstanding borrower experience. The organisation is committed to providing flexible working opportunities, ongoing training, and a supportive network that values your expertise and encourages professional growth. If you are passionate about making a meaningful impact in the lending sector while enjoying generous pension contributions and a collaborative environment, this is the perfect next step in your career.

• Join a respected financial institution in London where your knowledge of property finance will be valued and developed through continuous training opportunities and supportive leadership.
• Enjoy flexible working arrangements and generous pension contributions while collaborating with a diverse network of professionals dedicated to responsible lending and excellent borrower experiences.
• Take ownership of loan origination for bridging and development loans, leveraging your analytical skills and commercial acumen to deliver dependable results for SME borrowers.

What you'll do:

As Loan Origination Vice President in London, you will play a pivotal role in shaping the lending landscape for SME borrowers seeking bridging or development finance. Your day-to-day activities will involve sourcing new deals through various channels while maintaining a transparent pipeline from enquiry to completion. You will apply your expertise in structuring transactions that balance commercial objectives with prudent risk management. By conducting thorough underwriting assessments and preparing detailed documentation for each deal, you will help ensure that every transaction meets regulatory standards while delivering an exceptional borrower experience. Your ability to negotiate win/win outcomes with stakeholders will be key to building lasting relationships within the industry. Success in this role means consistently delivering reliable results through careful attention to detail across all stages of the loan origination process.

• Source SME loan deals through brokers, introducers, direct channels, and strategic partnerships to ensure a steady flow of high-quality opportunities.
• Quickly qualify leads against product criteria, risk parameters, and funding requirements to maintain an efficient origination process.
• Build, manage, and report on a robust origination pipeline from initial enquiry through to successful completion, ensuring transparency at every stage.
• Structure deals thoughtfully to align with both borrower needs and lender risk appetite by considering factors such as LTV, LTC, ICR/DSCR, covenants, and exit strategies.
• Conduct thorough first-pass underwriting including assessment of borrower background, credit history, affordability analysis, viability checks, and security evaluation covering property type, location, valuation methodology (desktop/full RICS), planning status, title review, and legal issues.
• Prepare comprehensive term sheets, heads of terms documents, and detailed credit applications that reflect accurate deal structuring and pricing based on risk profile, duration, and funding source.
• Negotiate terms collaboratively with introducers and borrowers to achieve mutually beneficial outcomes that support long-term relationships.
• Drive cases through credit committee approval by presenting risks clearly alongside mitigants and sensitivities for informed decision-making.
• Oversee pre-completion conditions such as valuation reports, monitoring surveyor assessments, legal due diligence processes, insurance arrangements, and collateral perfection to ensure smooth execution.
• Ensure all documentation is accurate and facilitate seamless completion processes including drawdown schedules for development facilities.

What you bring:

Your proven experience in property finance—particularly within bridging or development lending—will set you apart as Loan Origination Vice President. You bring not only technical proficiency but also a deep understanding of construction programmes and costings essential for structuring complex transactions. Your analytical mindset enables you to model cash flows accurately while assessing risk factors such as LTV/LTC ratios or exit strategies under various scenarios. Commercially astute negotiators thrive here; your ability to engage brokers effectively ensures optimal deal flow while managing margins responsibly. Regulatory awareness is crucial: you understand KYC/AML requirements along with UK property law fundamentals necessary for compliant operations. Above all else, your interpersonal skills foster trust among stakeholders—whether communicating with borrowers or collaborating internally—ensuring every transaction is handled with care. Adaptability within dynamic markets combined with technological fluency supports your success in this multifaceted role.

• Demonstrated technical lending skills including property finance underwriting for both bridging and development loans as well as strong valuation literacy.
• Awareness of construction programme requirements and costing principles relevant to development finance transactions.
• Proven ability in covenant design tailored to specific loan structures supporting prudent risk management.
• Advanced analytical skills encompassing cash flow modelling (interest retention/rolled interest), LTV/LTC analysis, stress testing scenarios, and sensitivity analysis related to exit strategies.
• Commercial acumen reflected in effective negotiation techniques, pricing strategies, margin management practices, channel strategy development, and broker engagement.
• Comprehensive understanding of regulatory frameworks including KYC/AML procedures, sanctions screening protocols, data protection regulations, UK property law basics (titles/charges/SPVs/guarantees).
• Exceptional stakeholder management abilities demonstrated through clear communication with borrowers, brokers, surveyors, lawyers, internal teams as well as external partners.
• Commitment to inclusive collaboration within cross-functional teams fostering dependable results for all parties involved.
• Ability to adapt quickly within changing market environments while maintaining focus on quality outcomes for clients.
• Experience utilising technology platforms for pipeline reporting and document management supporting efficient workflow.

What sets this company apart:

This organisation stands out for its commitment to creating an inclusive workplace where every team member’s contribution is valued. With flexible working opportunities designed around your needs and generous pension contributions supporting your long-term wellbeing, you’ll find an environment that nurtures both personal growth and professional excellence. Training opportunities abound so you can continue developing your expertise alongside knowledgeable colleagues who share your passion for responsible lending. Supportive leadership fosters open communication across departments while encouraging collaboration at every level—making it easy for you to connect with others who are equally dedicated to delivering outstanding service for SME borrowers. The company’s reputation for integrity ensures that you’ll be part of a network built on trust—a place where your work truly makes a difference in people’s lives.

What's next:

If you are ready to take the next step in your career journey by joining a collaborative team dedicated to responsible lending practices—apply now!

Apply today by clicking on the link provided below.