Job Description Lending Representative

2 Band 8 – Lending Representative

Job Title Lending Representative

Reporting to Lending Manager

Team Lending

Band 8

Main Purpose of role: A sales-based role to evaluate and prepare loans for approval, having advised clients of financial status and repayment methods. Sell Cherry Godfreys products and services maintaining close relationships with new and existing clients.

Liaise with counterparts in other jurisdictions to ensure consistency and efficiency across the Group in line with Policies and Procedures.

Main Duties (Areas of Responsibility /Key Tasks):

 Work to sales and corporate governance targets for the Lending Department.

 Evaluate, prepare and approve loan applications in line with Policies and Procedures.

 Liaise / Correspond directly with clients/stakeholders

 Meet with applicants to obtain and discuss information relating to retail loan applications and to answer questions about the process.

 Provide a complete loan application with explanatory notes for approval of the underwriter.

 Answer loan queries relating to current and potentially new customers.

 General administrative duties and updating of Group databases.

 Undertake regular solicitation.

 Undertake additional duties as and when requested by the Board/Directors to ensure the effective functioning of all the Group areas.

 Display role model behaviour with a can-do attitude towards work and continually support team members.

Please note: Due to the fact that Cherry Godfrey is a small business, job descriptions may be amended and roles re-defined.

Key Competencies:

 Proven experience of working in a Lending or Sales role.

 Provide evidence of self-development through training and also independently.

 Excellent interpersonal skills with the ability to deal with enquiries at all levels.

 Self-motivated with good organisational skills and the ability to delegate and prioritise workloads.

 Ability to work to tight deadlines.

 An ability to work with minimal supervision and make decisions where necessary.

 Proficient ICT skills with proven knowledge of Microsoft Office and varying databases.

3 Band 8 – Lending Representative

Key Accountabilities:

 Demonstrate a high level of file accuracy whilst complying with all Policies and Procedures.

 Ensure all applications are dealt with in a timely manner.

Job description Job Title: Compliance Analyst - Private Markets Reporting to: Head of Risk & Compliance Department: Compliance Location: Guernsey

Company Overview Built on a culture of responsiveness and innovation, The International Stock Exchange (TISE) provides financial markets and securities services in the public and private space. TISE is best known as one of Europe’s major professional bond markets. Its Qualified Investor Bond Market (QIBM) is the leading market in Europe for listing high yield bonds and is experiencing strong growth in structured finance and securitisation transactions. TISE also has a pool of regional company listings and a significant share of the market for listed UK Real Estate Investment Trusts (REITs), as well as hosting a comprehensive sustainable finance segment, TISE Sustainable. Issuers choose us because the products are provided through an efficient and cost-effective service from a venue which is internationally recognised and operates to global standards. The operations of the Group parent and the Authority are segregated between two companies which separates the Group’s commercial interests from the regulatory activities of the Authority. The International Stock Exchange Group Limited (TISEG) is the TISE-listed group parent company that provides strategic direction and support services, such as Finance, HR, IT and Marketing & Communications, to its subsidiary The International Stock Exchange Authority Limited (TISEA), which operates the market. TISEA is licensed to operate the Exchange, with responsibility for the listing of securities on the market and the supervision of Members of the Exchange. It is a subsidiary of (TISEG) which is the TISE-listed group parent company. In 2023, TISE launched a unique offering for the private markets. TISE Private Markets provides unlisted companies with a dedicated marketplace through which they can access an integrated set of tailored electronic solutions, including trading, settlement and registry management.

Headquartered in Guernsey, and with staff and Listing Members operating across Dublin, Guernsey, the Isle of Man, Jersey and London, TISE has over 4,000 securities on its Official List with a total market value of more than £700 billion.

Role Profile

We are seeking to recruit a Compliance Analyst within the Compliance department based in our Guernsey Office. Reporting to the Head of Risk & Compliance, the Compliance Analyst will primarily be responsible for all KYC/AML due diligence for TISE Private Markets (TPM), as well as thorough active testing as part of the Compliance Monitoring Programme (CMP). The Compliance Analyst will be responsible for conducting Customer Due Diligence (CDD) for new and existing customers on TPM with the procedures and policies, Compliance Framework and Manual. The role will also provide support and knowledge transfer to the business primarily, the Listings and Market Regulation departments.

Duties and Responsibilities

• Conduct CDD for new customers in line with our policies, procedures, regulations and compliance

framework;

• Carry out periodic risk reviews on customers by collating information from online individuals,

company registers, company information providers, public sources and using internal systems

and screening tools, to assess whether the money laundering, terrorist financing and

proliferation financing risks posed by the customer has changed and documenting conclusions;

• Conduct screening of issuers, corporate and natural persons to identify any links to PEPs,

sanctions, adverse media and financial crime;

• Provide knowledge transfer and share expertise including via training to members of the Listings

and Market Regulation Departments regarding CDD practices for TPM;

• Conduct transaction monitoring for TPM customers aligned with policies and procedures;

• Manage own caseload and ensure that all work is completed in a timely manner and in line with

company expectations;

• Contribute to the maintenance of the TPM KYC/AML policies and procedures;

• Contribute to the timely completion of CMP testing, in accordance with the agreed compliance

workplan;

• Ensure CMP test samples and findings are accurately recorded and any issues are escalated to

the respective manager for timely resolution;

• Proactively contribute to the continuous improvement of the CMP tests to ensure they remain

appropriate and effective;

• Investigate irregularities and any potential non-compliance issues;

• Prepare and present Enhanced Due Diligence reports where these have been identified as being

required;

• Keep abreast of regulatory developments within and outside of the company and ensure best

practices are applied in compliance controls;

• Educate staff including through training, not only in their responsibilities regarding compliance,

but also the impact on TISE and TPM, and potentially themselves, if these aren’t fulfilled;

• Provide guidance, advice and/or training and educational programs to continually improve the

Group’s understanding of the relevant laws and regulatory requirements;

• Provide support to the Data Protection Officer in ensuring that TISE/TPM complies with the

relevant external requirements and internal policies and procedures;

• Assist in the collation and delivery of all regulatory submissions;

• Assist in the maintenance of all applicable registers e.g. complaints, declined business, conflicts

of interest;

• Assist with ad-hoc projects as requested by the Head of Risk & Compliance and/or COO; and

• Attend relevant professional development and training as required.

Key Competencies • Proven experience in a CDD/AML role, including practical knowledge and experience of

CDD/AML requirements;

• Knowledge of relevant financial regulations and industry standards;

• An understanding of, and experience of working with different corporate structures across

different jurisdictions;

• Ability to work under pressure and meet deadlines on own initiative;

• Methodical and organised and high level of attention to detail;

• Strong organisational ability;

• Pragmatic approach with the ability to balance commercial and regulatory views;

• Excellent communication skills;

• Self-motivated with the ability to work independently as well as in a team with minimal

supervision;

• Critical problem-solving ability. You'll often have to make judgements and decisions on the

information available, which is not always complete or clear;

• An ability to analyse and interpret information quickly;

• Natural curiosity and a questioning mind-set; and

• Demonstrable alignment with company values.

JOB DESCRIPTION

JOB TITLE Accountant JOB LEVEL C1

DEPARTMENT Finance

REPORTING TO Group Financial Controller

JURISDICTION Guernsey

OAK SUMMARY Oak Group is a leading provider of Fund Administration, Private Client and Corporate Services. The Group is headquartered in Guernsey and has offices in Jersey, Mauritius, and the Isle of Man. Our clients range across high-net-worth individuals, families, corporate institutions and asset managers. Oak employs over 200 people, the majority of whom are qualified as accountants, corporate secretaries, and fiduciary professionals. We prioritise continuous growth and development of our people, recognising that their success is the foundation of excellent client service and business growth. Oak has a new ownership structure whereby it will be owned by a standalone company, Opera. The majority shareholder is Stephen Lansdown, co-founder of Hargreaves Lansdown, the U.K.’s largest stock broking firm and a member of the FTSE 100. Oak is privately owned with a fully-aligned strategy for growth and transformation. Our vision is long-term and extensive and will allow us to plot a strategic arc. Our holistic strategy includes investing into cutting edge technology and data management tools, investing into back-office simplification to improve client and employee experience, extensive training for our team, and continually enhancing our employee value proposition all to align staff and shareholder interest and fuel a constant drive for sustainable excellence and growth. Oak is committed to this exciting journey. JOB SUMMARY The Group Finance function is responsible for the financial management and reporting of Oak Group Limited. Reporting to the Group Financial Controller, this role relates primarily to Oak’s Guernsey businesses: Oak Trust (Guernsey) Limited (‘OTGL’), Oak Fund Services (Guernsey) Limited (‘OFS’) and Oak Group Limited (‘OGL’) (together, ‘Oak Gsy’). You will be responsible for maintaining the books and records of Oak Gsy, production of management accounts, client billing, debtor management, cash management, supplier payments, budgeting and cashflow forecasting, assisting the annual audit process and supporting the Oak Group Financial Controller/ CFO with other ad hoc projects as required.

JOB DESCRIPTION

KEY RESPONSIBILITES MAY INCLUDE MOST / SOME OF THE FOLLOWING TASKS

Day-to-day bookkeeping, transaction processing and accounting. Maintaining up-to-date accounting records, paying particular attention to bank statements,

agreements, invoices, contracts, resolutions and other accounting source documents. Daily reconciliation of bank accounts Reconciliation of all ledger items with supporting documents and maintaining schedules/workings. Maintenance of the fixed asset register, debtors, accruals and prepayments schedules. Preparation of weekly aged debtors reconciliation Preparation of annual financial statements, monthly management accounts and other ad-hoc financial

reporting in accordance with IFRS / UK GAAP. Ensuring that Oak Group intra-group transactions are managed in a timely and proactive manner. Run client billing and maintain sales ledgers on Oak’s systems (Viewpoint), and where necessary

managing outstanding debtors and collection of fees. Supplier management including preparation of payments, liaising for invoices and checking of costs in

line with signed contracts. Generating, analysing and disseminating financial reports from Viewpoint. Preparation of financial reports (including asset statements, solvency tests and various accounting

data based on accounting policies). Assisting the CFO & Group FC with budget process – compiling information for inclusion in budget. Preparation of cashflow and FRR projections. VAT (and other equivalent taxes) reporting as per the respective rules prescribed by the authorities

as appropriate. Preparing any required reports for regulatory purposes. Provide support for the annual financial audit exercise/any other regulatory checks. Maintain an awareness of changes to the relevant financial, legal and regulatory framework within

which the company operates. General administrative tasks. Completing and inputting time in the Viewpoint time billing system on a daily basis. Work closely with colleagues in other Oak jurisdictions using email, instant messaging and video call

software. Undertake occasional travel to other Oak Group locations for training and work tasks. Completing any other duties as may be required from time-to-time in accordance with the

requirements of the role, team and evolving nature of the function. In all aspects of your role, display and adhere to the ‘Oak 8’, Oak Group’s core values:

1. Support Each Other to Thrive 2. Think and Act Like an Owner 3. Innovate and Lead Fearlessly 4. Focus on the Client 5. Earn Trust with Integrity 6. Fuel Growth with Passion and Learning 7. Think Globally 8. Empower Community

KEY COMPETENCIES & SKILLS

Holds or is studying towards AAT/ACA/ACCA or another accounting qualification. Minimum of 3 years of accounting experience. Awareness of general accounting principles as well as basic understanding of applicable laws and

financial regulations. Ability to work under pressure and meet deadlines.

JOB DESCRIPTION

Employee Signature:_____________________________________ Date:_____________________ Employee Name: ________________________________________

A proactive approach to work & the ability to work under own initiative. A flexible attitude towards work and a willingness to assist other members of the team as required. Good time management, prioritisation and organisational skills. High level of competence and accuracy with bookkeeping and accounting. Analytical mindset with strong problem-solving skills. Excellent computer skills, particularly with Microsoft Office. Excellent communication, interpersonal, influencing and negotiation skills. Ability to communicate effectively with senior management across Oak Group.

KEY BUSINESS PARTNERS

Group CFO Financial Controllers Client Administration teams External suppliers