Investec – Where Out of the Ordinary Happens

Who are we?
Investec is a distinctive financial services group serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues that bring out of the ordinary thinking, and we put them in environments where they'll flourish. We combine an accessible structure with a focus on internal mobility. The role demands an entrepreneurial spirit and a desire to learn and collaborate to help the business grow and to drive profitability; to deliver a commercial impact for the business.

Role Profile

Description of role and key responsibilities

The role:

As part of the Credit and Lending Services Team, you will support the effective execution, completion and ongoing management of lending transactions throughout the life of the loan. This is a broad, practical role sitting at the intersection of legal support, lending execution, credit process and portfolio administration. You will help to ensure that lending matters are progressed efficiently, accurately and in accordance with internal legal, credit, operational and risk management requirements, enabling IBCI to maintain the high level of client service, experience and professionalism which is a fundamental and core selling point for the wider high net worth lending business.

Key responsibilities:

The role will specifically involve:
•    Support the completion of lending transactions, including the preparation and completion of lending documentation, and take simple transactions through to completion where required, with support.
•    Manage or support lending transactions through to drawdown and beyond, including the monitoring of any credit related matters.
•    Provide support and guidance to the lending team on any client or transaction matters that arise.
•    Identify, escalate and help to resolve legal, credit, operational or completion related issues in a timely manner, including matters requiring input from the Head of Credit and Lending Services, Credit Committee, relationship managers or external counsel.
•    Adhere to IBCI CLS processes and procedures so that legal, credit and operational risk is effectively managed, limited or reduced.
•    Manage or coordinate matters to be addressed post drawdown, including standing order and direct debit arrangements, client care letters, outstanding conditions subsequent and related record updates.
•    Respond to queries from relationship managers and external parties and provide appropriate progress updates on lending matters where required.
•    Maintain the Bank's security and loan records in accordance with internal procedures, ensuring that relevant records are accurate, complete and up to date.
•    Support the effective management of the Bank's legal, credit and operational risk in relation to its lending portfolio by following internal processes, escalating issues appropriately, and ensuring that applicable credit limits, approval conditions 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.
•    Assist other members of the Department as and when required.
•    Instruct and liaise with external counsel, where appropriate and in accordance with internal procedures, in connection with new loan facilities, renewals, extensions, amendments and related security matters.
•    Liaise with relationship managers, clients and external solicitors in respect of the completion of new loan facilities, existing loan renewals and short-term loan extensions.
•    Draft, finalise and issue facility documentation in respect of new loan facilities, existing loan renewals, short term loan extensions and amendments.
•    Draft, anonymise, finalise and maintain 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.
•    Identify and raise opportunities to improve CLS processes, strengthen controls and increase efficiency.
•    Support reporting activity in respect of lending transactions, portfolio matters, completion status and exceptions, liaising with relevant colleagues as required.
•    Review facility documentation drafted by other members of the Department.
•    Check new loan completions, facility renewals and short form facility extensions or amendments prepared by other team members, providing sign off at completion where authorised to do so.

Essential Criteria

Core skills and knowledge:

The role will specifically require:

Experience and knowledge:
•    Legal experience as a paralegal or experienced legal assistant, or relevant experience in credit operations, lending administration or deal management.
•    Experience in property transactions, banking and finance, secured lending or loans administration would be advantageous.
•    Familiarity with lending documentation, security, completion processes and post completion administration, or a willingness to develop this knowledge.

Skills and attributes:
•    Excellent verbal and written communication skills.
•    Client focused approach, with a commitment to delivering a high-quality service to clients and colleagues.
•    Highly organised, collaborative team player with a commercial mindset.
•    Enthusiastic and proactive.
•    Adaptable, resilient and comfortable working in a busy, time sensitive environment.
•    Ability to prioritise and manage a varied workload against competing deadlines.
•    Willingness to take ownership and drive matters forward to completion.
•    Enjoys looking at ways to improve and streamline processes.
•    Methodical, thorough and consistently attentive to detail, particularly in relation to documentation and records.
•    Confident user of Microsoft Office, particularly Word and 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. 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. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.

We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.

If this role excites you but you don't meet every requirement, we'd still love to hear from you. Your unique perspective and experience could be exactly what we are looking for.  Get in touch!

At Investec, we're deeply invested in our clients, our colleagues, and our communities. It's more than a mindset; it's how we show up every day.

Be part of something Out of the Ordinary.

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.