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.

Role: Credit and Lending Services Legal Officer 

Role Description: 

As a crucial part of the Credit and Lending Services Team, you will be responsible for providing time sensitive support to IBCI Legal Risk throughout the life of the loan. This is to enable IBCI to maintain a high level of client service, experience and professionalism which is a fundamental and core selling point for the wider high net worth lending business.

The role will specifically involve:

• Support IBCI Legal Risk on deal completion including the completion of lending documentation. Undertaking simple deals to completion where required and with support.
• Manage the deal through to drawdown and beyond to encompass monitoring of any credit related matters.
• Provide support and advice to the lending team on any client or deal matters that arise.
• Strictly adhere to IBCI CLS processes to ensure that legal and credit risk is effectively managed, limited or reduced.
• Manage all matters to be addressed post drawdown, including setting up standing order and direct debits and client care letters.
• Dealing with queries from relationship managers and external parties, update all parties on progress of the loan where required.
• Maintaining Bank's security and loan records in accordance with internal procedures to ensure accuracy and completeness of relevant records.
• Ensure the Bank's risk with regard to their portfolio of loans is at all times fully covered by following internal processes and ensuring that all credit limits and credit appetite limits are adhered to.
• Maintain and update client and lending records in the Vision banking system to ensure all records are correct and up to date.
• Assisting other members of the Department as and when required.
• Instructing external counsel to assist with the completion of new loan facilities and existing loan term renewals.
• Liaising with relationship managers and external solicitors in respect of the completion of new loan facilities, existing loan renewals and short-term loan extensions.
• Drafting and finalising facility documentation in respect of new loan facilities, existing loan renewals and short-term loan extensions.
• Drafting, anonymising and finalising precedent documentation for the CLS precedent document bank.
• Take part and contribute to projects as and when they arise, enabling the team to become more efficient and keep up to date with the latest software and technological changes.
• Consider and raise where changes could be made to ensure the process in CLS is as efficient as possible.
• Monitoring and liaising with relevant colleagues in respect of various reporting.
• Reviewing facility documentation drafted by other members of the Department.
• Finalising and issuing facility documentation as required.

Core Skills and knowledge:

• Legal experience as a paralegal, experienced legal assistant, or experience in credit operations and deal management preferred.

• Experience in property transactions or banking and finance preferred.

• Excellent Verbal and Written skills.

• Client centric approach.

• Experience in loans administration.

• Highly organised, collaborative team player with a commercial mindset.

• Enthusiastic and proactive.

• Adaptable and thrives under pressure.

• Ability to prioritise workload.

• Willingness to take ownership and drive matters forward to completion.

• Enjoys looking at ways to improve and streamline processes.

• Methodical, thorough and attentive to detail.

• Microsoft office skills (Word, Excel).

• Cultural awareness and sensitivity on both an individual and corporate basis.

• Ability to work on an individual basis (self-motivating and self-prioritising) and within a team.

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!

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