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About the Role

Structured Credit & Warehouse Lending plays a key execution role within Capital Markets, supporting the build-out of a scalable, commercially viable, risk-managed and capital-efficient warehouse lending platform. The role will focus on structuring, executing and monitoring warehouse facilities, forward flow arrangements, securitisation and structured credit transactions across multiple asset classes. The role holder will independently manage transaction workstreams from initial assessment through to term sheet, due diligence, documentation, approval, funding and ongoing portfolio monitoring.

Responsibilities

Lead the structuring and execution of warehouse lending facilities, forward flow arrangements, securitisations and other structured credit transactions.
Develop transaction structures that appropriately balance credit risk, regulatory capital efficiency, commercial returns and operational practicality.
Determine and assess advance rates, borrowing base mechanics, eligibility criteria, concentration limits, covenants, triggers, reserve accounts and waterfall structures.
Prepare and negotiate indicative term sheets, transaction summaries, commercial proposals and internal approval materials.
Run transaction workstreams from initial opportunity assessment through to approval, documentation, funding and close.
Analyse prospective originators, asset portfolios and historical performance data, including originations, arrears, defaults, recoveries, losses and collections performance.
Review data tapes, asset-level stratifications, vintage analysis, unit economics and portfolio cashflows to support risk-based pricing and return assessment.
Assess underwriting standards, credit policies, servicing capability, operational resilience and alignment with GB Bank risk appetite.
Support pricing, capital efficiency, risk-weight and return-on-capital analysis for each proposed transaction.
Coordinate due diligence requests with originators, arrangers, investors, legal counsel, auditors and other third-party advisers.
Manage independent verification workstreams, including EY / KPMG-style data, receivables and cash reconciliation diligence where required.
Review due diligence findings and ensure appropriate mitigants, conditions precedent or structural protections are incorporated into transaction documentation.
Work closely with internal and external legal counsel to negotiate facility agreements, security documents, servicing agreements, account control arrangements and related transaction documents.
Ensure legal documentation accurately reflects agreed commercial terms, credit protections, governance requirements and operational processes.
Coordinate completion of conditions precedent, legal execution checklists, closing deliverables and funding mechanics.
Oversee onboarding of new facilities, including completion accounts, collection accounts, reporting templates, servicer obligations and collateral monitoring arrangements.
Monitor live warehouse facilities through review of borrowing base certificates, investor reports, management information, covenant compliance and performance triggers.
Identify emerging risks, limit breaches, collateral deterioration or reporting issues and escalate with recommended remediation actions.
Support amendments, waivers, upsizes, refinancing activity and exit planning for existing facilities.
Prepare high-quality materials for Credit Committee, ALCO, Executive Committee, Board and other internal governance forums.
Present transaction analysis, recommendations and risk considerations to senior stakeholders in a clear and concise manner.
Work collaboratively with Treasury, Credit Risk, Legal, Finance, Operations, Risk and Compliance to ensure transactions are executed and monitored within the Bank’s control framework.
Support internal audit, external audit and regulatory requests relating to structured credit, warehouse lending and securitisation activity.

Requirements

6–12+ years’ experience in structured finance, securitisation, asset-backed finance, warehouse lending, private credit or capital markets execution.
Experience within a bank, investment bank, debt fund, asset manager, specialist lender, rating agency or structured finance advisory platform.
Demonstrable experience structuring and executing warehouse facilities, borrowing base facilities and / or securitisation transactions.
Strong technical understanding of advance rates, eligibility criteria, concentration limits, covenant packages, cash waterfalls, reserve accounts, triggers, security structures and servicing arrangements.
Experience analysing asset-level data, data tapes, collateral pools and historical performance across one or more of SME lending, receivables finance, bridging finance, CRE, consumer finance or specialty finance.
Strong financial and cashflow modelling capability, including experience working with large data sets and portfolio performance analytics.
Good understanding of credit risk, risk-based pricing, capital efficiency, regulatory capital considerations and return-on-capital analysis.
Strong understanding of structured finance documentation and ability to work effectively with internal and external counsel.
Excellent planning and organisational skills, with the ability to manage multiple live transactions and stakeholders simultaneously.
Clear written and verbal communication skills, with the ability to present technical information to senior stakeholders and governance committees.
High attention to detail, strong commercial judgement and ability to make sound decisions in complex or ambiguous situations.
Energetic, proactive and collaborative, with the ability to build trusted relationships internally and externally.
Commitment to continual professional development and maintaining strong knowledge of structured finance, warehouse lending, securitisation and regulatory developments is expected.

Skills

Structured finance
Securitisation
Asset-backed finance
Warehouse lending
Private credit
Capital markets execution
Advance rates
Eligibility criteria
Concentration limits
Covenant packages
Cash waterfalls
Reserve accounts
Triggers
Security structures
Servicing arrangements
Financial modelling
Cashflow modelling
Portfolio performance analytics
Credit risk
Risk-based pricing
Capital efficiency
Regulatory capital
Return-on-capital analysis
Structured finance documentation
Planning
Organisational skills
Written communication
Verbal communication
Attention to detail
Commercial judgement
Decision making
Collaboration

Location

Mayfair, London

Work Type

4+ days in the office
35 Hours per week

Experience Level

6–12+ years’ experience

Education Level

Bachelor’s Degree in Mathematics, Engineering, Business, Finance, Economics or other relevant subject; or equivalent practical experience in structured finance / securitisation.
Professional accreditations from recognised industry bodies, including CFA, ACA, ACCA, ACT, CertBALM or similar, are desirable but not essential.

Salary/Compensations

Competitive

Benefits

8% company pension contribution and 3% individual contribution
25 days holiday every year plus bank holidays
Private medical cover with BUPA - includes no excess
Death in service at 4 x base salary with Aviva
Mental health support - through a helpline and counselling sessions
Enhanced maternity, paternity and adoption leave

About the Company

Join one of the UK’s fastest growing and award-winning banks.
We are a team of ambitious, passionate, hardworking, and committed people who have successfully created and launched one of the UK’s newest specialist property finance banks.
As we embark on an exciting journey of growth, we are seeking exceptional new team members who possess both the ambition and drive to contribute to our vision.
At GB Bank, we believe that career progression should not only be achievable but accelerated, enabling our employees to reach their potential in a supportive and dynamic atmosphere.
Our environment is fast-paced and collaborative, where your efforts are recognised, rewarded, and make a tangible impact.
We take pride in fostering and open and inclusive culture that not only embraces change but also encourages continuous learning and professional development.
At GB Bank, we value privacy and data protection rights.
We have longstanding data protection culture and promote robust ethical standards in data management.

Equal Opportunity

We are an equal opportunities employer and positively encourage applications from suitably qualified and eligible candidates, regardless of their age, sex, race, disability, sexual orientation, gender reassignment, religion or belief, marital/civil partnership status, or pregnancy and maternity.