Debt Structurer
The Debt Structuring team is an internal external client facing team responsible for structuring credit transactions for the client across the UK, EMEA, India and Asia regions and includes lending experts in residential and commercial real estate, corporate jet and super yacht, and investment leverage. The Debt Structurers are focused on structuring pricing credit transactions, ensuring regulatory capital use is optimised in all lending structures, negotiation with clients and with Bankers, credit training for the ‘sales force’, credit stewardship and resolving credit related issues.
The individual will be part of the Debt Structuring team. The primary interaction will be with bankers and clients based in the UK, Channel Islands and other offshore centres, although broader support of our global business needs may be prevalent from time to time. This will include working collaboratively with other Debt Structuring team members and may include a requirement for associated cross border transactions and also consider financial and estate planning needs of clients. The individual will be expected to exercise judgement as to when it is appropriate to bring in other Debt Structuring team members or to directly involve him / herself in managing transactions.
The successful applicant will work closely with the credit departments to shape complex transactions into an executable format. Creativity will be required to design a structure that delivers the appropriate balance between risk and reward for the bank, whilst acting fairly for the client and driving a broader relationship.
The applicant will also have experience and knowledge of some or all of the range of credit products offered by a Wealth Management organisation, including investment equity release or leverage, residential and commercial property finance, including regulated lending, both within the UK and the local islands regulatory environment and corporate lending.
Role requirements:
• Strong credit skills including ability to analyse private client corporate balance sheets.
• Experience of financing and/or valuing residential buy-to-let, development, owner occupied or commercial property across a range of jurisdictions in Europe.
• Experience of lending against market traded instruments including equities, fixed income instruments, structured products and alternative investments, with knowledge of different structural alternatives (including loans derivatives etc).
• A working knowledge of the tax environment of one or more jurisdictions in which the client provides client service, and its impact on client financing needs.
• Ability to balance risk and reward in an environment where we are focused on delivering appropriate solutions for the client, the firm and within the parameters of current regulation and compliance.
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