Job description

  • Location:
  • Department:
    Corporate and Family Office Jersey
  • Division:
  • Employment Type:
    Full time
  • Salary:

Lending Specialist (10329)

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.

Key relationships:

Internal (within Organisation)

  • All departments within IBCI, and;
  • Investec Group, specifically:
    • Investec Private Bank, London (‘IBP');
    • Credit Committee Members of IBP;
    • Real Estate Team within IBP;
    • Rathbones International (‘RIMI').

External (Outside organisation):

Financial service networks across 3 core jurisdictions including property professionals and developers, professional advisors, Trust providers, Family Offices, wealth planners, regulators, government agencies, brokers and other corporate service providers

Description of role and key responsibilities:


A key strategic objective of IBCI is to originate and maintain appropriate and well-structured lending business from its offshore jurisdictions of Guernsey, Jersey, Switzerland and Isle of Man both from our direct client relationships with HNW individuals, Family offices, professionals, property professional and our Financial intermediaries.

This role has responsibility, in conjunction with the wider lending Team (the ‘Team'), for developing its strategic lending direction together with responsibility for the business development and relationship management initiatives and credit stewardship activities for this core growth sector of IBCI.  Along with the Team, this role will critically assess the strategic performance of IBCI's lending proposition, addressing as necessary and ensuring that IBCI maintains a competitive advantage in the market, is achieving its strategic objectives and continues to operate within IBCI's credit and AML/CFT risk appetite.

The role is accountable for participating in the Team's structured lending proposition and the delivery of such against agreed targets.  This may include, but not limited to, structured real estate finance, mortgages, gearing against investment portfolios and balance sheet finance.

Partnering with the Team, the role will create structured client engagement programmes with the aim of, inter alia, sourcing new lending business and the management thereof.

The role will also provide a degree of support and, where appropriate, mentoring in relation to upskilling the wider team's lending capabilities.

 Along with the above strategic input, more detailed responsibilities include:

  • The consideration and processing, as appropriate, of new lending enquiries from target market clients including the issuing of indicative terms;
  • Effectively assessing risk and pricing lending opportunities appropriately;
  • Preparing of credit applications and presentation of proposals to the relevant internal fora;
  • Work with IBCI's Credit Lending Services Team in the preparation of necessary documentation, as required;
  • Management and credit stewardship of existing lending transactions, ensuring that all drawn loans operate in accordance IBCI's policies and procedures and stipulations detailed within the Credit Committee minute;
  • Identify and effect business referrals to other divisions within IBCI and the wider Investec Group.

To act with integrity at all times and embrace the philosophy of treating customers fairly

  • Ensuring an exceptional service is provided to clients at all times whether this be directly or indirectly.
  • The job holder must have a sound understanding of the regulatory and legal environment relevant to the job, and to take into account and follow all applicable internal compliance considerations, including all appropriate processes, policies and process 

Core Skills and Knowledge:

  • Excellent communication and presentation skills, being able to inform and negotiate both orally and in writing;
  • Evaluation skills to fully understand client needs and create solutions;
  • Strong interpersonal, influencing and leadership skills;
  • Team player with ability to build strong relationships, both internally and externally;
  • Personal organisation and planning skills with proven ability to time manage;
  • A proven track record in sales, business development and relationship management;
  • Self motivated, driven and goal orientated with the ability to self-initiate follow-up sales activity;
  • Comprehensive experience and knowledge in risk assessing and structuring of lending propositions in order to create lending solutions to satisfy:
    • The clients' requirements, and;
    • The IBP and IBCI Credit Committees, in line with its current risk appetite and Credit policy guidelines.
  • Strong credit management and stewardship skills;
  • Awareness of appropriate internal reporting processes, policies and procedures;
  • A strong understanding of the UK real estate market, both residential and commercial;
  • A good understanding of treasury and capital markets, and overview of the investment markets;
  • Exposure to management of regulatory risk in a large financial institution;
  • A detailed knowledge of the operations of our organisation and the environment (e.g. regulatory, physical) in which it operates;
  • A sound understanding of the IBCI's account opening procedures, its wider banking product suite and service delivery.


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!

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. 

Close map
4th Floor Liberation House, Castle Street, St Helier, Jersey, Channel Islands, JE2 3BT

Meet the recruiter

Margaret Lucas

+44 1481 709879


We commit to ensure that everyone is fairly assessed during our recruitment process.

Let us know if you need any reasonable adjustments to complete your application.

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