Work with us

Help us build the UK's most transparent peer-to-peer property finance platform.

At Invest & Fund, we’re building an alternative finance platform that delivers more for lenders and helps our borrowers get the job done.

We have offices in Hastings and London and our business development team are based across England and Wales. If you’re interested in alternative finance and residential property, we’d love to hear from you.

Take a look at our latest vacancies and apply for open roles below.

Vacant roles


Description

Reporting to:

Head of Borrower Origination

Location:

Current focus is on the South and South East of England but with vacancies across England and Wales.

Summary:

To identify and relationship manage Borrowers and introducers of residential property development loans and residential property bridging loans for experienced property developers. To be responsible and accountable for the origination and structuring of suitable new loans and be part of the on-going monitoring of existing loans within their region.

Key accountabilities:

  • Conduct yourself at all times in accordance with Invest & Fund’s core values including Treating Customers Fairly.
  • Utilise and leverage your experience and expertise to identify and screen for credit worthy lending opportunities with an appropriate risk adjusted return for the Lenders.
  • To be the primary Invest & Fund interface with existing and potential Borrowers, and professional introducers.

Key responsibilities:

  • Develop a marketing plan to identify and establish contact with prospective Borrowers and professional introducers who will bring lending opportunities to Invest & Fund.
  • Responsible and accountable for the origination of high quality lending opportunities to residential property developers.
  • Manage the day to day relationship with Borrowers and introducers.
  • Manage the day to day relationship with valuers, monitoring surveyors and other property professionals.
  • Own and execute Stage one of the Invest & Fund Borrower and credit process which is the first screen of new loans presented to Invest & Fund to maintain the quality of new lending opportunities.
  • Build an informal network of estate agents, accountants, solicitors and other relevant property professionals that helps corroborate the experience and track record of the potential Borrower.
  • Being proactively involved in proposition development, relaying market insight, information on competitors.
  • Overall responsibility for the communication between Invest & Fund, the Borrower and introducers throughout all stages of the Borrower process.
  • Monitoring of ongoing projects through regular dialogue with valuers and monitoring surveyors including site visits.
  • Swift identification and internal escalation of potential problems during the application process.
  • Swift identification and internal escalation of potential events of default during the life of a loan.
  • Accurate and timely record keeping of all communication.
  • Accurate and timely record keeping of new and current loan opportunities including Stage 1 declines.
  • Maintain your own diary system to help track your calling plan for existing and prospective Borrowers.
  • Contribute to the budgeting process for your region to establish appropriate financial metrics that will form part of your review process across a number of areas to include but not limited to, TCF, communication (internal and external), record keeping, relationship management, and loan monitoring pre and post draw down.
  • Swift identification of problems and recommendation of remediation plans.

Key skills:

  • Excellent credit skills relevant to residential property development and bridging.
  • Ability to negotiate and structure loans in accordance with credit policy and procedure.
  • Familiarity with and understanding of valuation and QS reports.
  • Thorough understanding of the legal issues surrounding property development.
  • Ability to act as the first stage filter for new loan opportunities.
  • Ability to manage a local area and champion the business including development of a business plan.
  • Existing local network of clients and property professionals including introducers.
  • Clear and precise communication skills both written and verbal.
  • Accurate and timely record keeping and activity tracking.
  • Ability to work remotely.
  • The ability to balance the requirements of a budget with the maintenance of quality and treating customer fairly.

Key experience:

  • Extensive experience managing relationships with Borrowers and introducers across different credit cycles.
  • Extensive experience originating, structuring and monitoring residential development and bridging loans across different credit cycles.
  • Current experience of secured lending, bridge finance, development finance by both corporations and SPVs.
  • Current relationships with Borrowers and introducers across their geography in the target loan range of £300,000 to £5,000,000 with the main focus in the £1,000,000 band
  • Previous experience of a highly regulated entity lending to corporations.
  • Proven ability to build and execute business plans to identify lending opportunities.
  • Operated recently under the FCA TCF, ALM and KYC frameworks.
  • Experience of working in a credit sanctioning department or been involved in producing documents and a business case for sign off by credit sanctioning.
  • Involved in loan restructuring and loan work out.
  • Worked remotely with effective communication, activity management and record keeping in accordance with FCA requirements.
  • Proven ability to balance the requirements of a budget with the maintenance of quality and treating customer fairly.
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