Director, Debt Finance - Operational Real Estate/Healthcare

This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We’re not looking for just another cog in the wheel — we want bold thinkers and proactive self-starters who are eager to shape their own careers and support the UK’s most driven business leaders.

The Director's mission is to independently originate high-quality new deals that align with OakNorth’s focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end-to-end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight .Play a key role in embracing / living OakNorth's entrepreneurial attitude.
You will:
Originate, structure, execute transactions that meet the lending requirements of OakNorth
Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market
Work as part of a team on the execution of corporate finance / real estate / property / trading business transactions
Build the profile of Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms
Assess appropriate organic and inorganic growth opportunities for OakNorth Bank in the market
Spread financial accounts and financial modelling
Analyse financial accounts and manage information and prepare credit memorandums
Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment
Ensure transaction are documented in accordance with credit approved terms and credit sanctions
Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction
Have an overview of ongoing relationship management and client experience
Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality
Ensure high level of customer experience at all times
Meet team and individual targets set by OakNorth ExCo, CEO and the Board
Structure transactions appropriately, and prove full credit reports to sanctioning authority
Maintain close relationships with customers and reporting to Credit in line with policy, in a timely manner
Act in accordance with OakNorth Bank’s values at all times
You have:
In depth understanding and network of SME lending, Operational Real Estate and the Healthcare market within the North of England
Excellent communication and customer facing skills
Good understanding of business processes, strategy and credit policies
Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers
Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions
Legal documentation skills
Experience in presenting credit case internally to a credit committee
Strong problem solving ability
Degree in Finance / Commerce or equivalent

United Kingdom
England
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