Role Profile

Name

Role Credit and Lending Services Legal Officer

Reporting to Head of Credit and Lending Services

Team Credit and Lending Services

Division Investec Bank (Channel Islands) Limited

Key relationships

Within organisation:

• Department Heads and relationship managers; • Legal, Compliance, Risk, Finance and Operations colleagues; • Credit Committee members Guernsey and London; and • Investec Bank London and Global Group offices.

Outside organisation:

• Clients; • Auditors; • Solicitors; • Financial Intermediaries; • Surveyors / Valuers; • Brokers; and • External Trust Companies.

Description of role and key responsibilities

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. 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.

We agree that this document accurately reflects the key responsibilities and associated skills, knowledge and attributes

required for _________________________________ to perform this role at this time. We acknowledge that it is our responsibility

to update this profile as things change.

__________________________________________ __________________________________ Line Manager’s signature Date

__________________________________________ __________________________________ Employee’s signature Date

• Ability to work on an individual basis (self-motivating and self- prioritising) and within a team.

About Investec What’s our culture like? Our company culture is unique amongst our peers and other banks. A vibrant and colourful culture built upon an integrated purpose and with Belonging, Inclusion and Diversity at our heart… a place to bring your best self to work and where you can be truly yourself. Where will you be working? Located in the St Peter Port, Guernsey, our IBCI Head Office boasts a highly flexible office space, changing & showering facilities and an enviable terrace overlooking the marina. Hybrid Working We have a flexible working environment and a unique culture, meaning that colleagues and teams are asked to spend the majority of time in the office. We see great benefit in teams being together, connecting and spending time face to face. The specific working pattern options for this role should be discussed with the line manager.

Role profile

Role title Analyst

Reporting to Head of Offshore Client Real Estate

Team Investec Bank (Channel Islands) Limited - Offshore Real Estate

Division Specialist Bank

Key relationships Team Leader, Originators, Portfolio Managers, Real Estate Deal Forum, Credit Committee, Valuers, Monitoring Surveyors, Legal Counsel, Operations, On-boarding, Compliance, Financial Intermediaries, Group / cross-business referral partners

Regulatory status Certified person (CP): ☐ Yes ☒ No

If CP, please confirm:

(i) The type of certified function(s) performed

For guidance see Role descriptions – help with defining Certified Persons

Please tick as many as applicable: ☐

Material Risk Taker (MRT) ☐

Client-dealing function ☐

Requires FCA qualification ☐

Supervisor/manager of a CP ☐

Qualifications

(ii) Mandatory professional qualifications and exams (required for the role)

ACA, CFA or RICS qualifications (whether held or being studied towards) are beneficial but not necessary.

Team description A provider of residential and commercial development and investment finance to institutional and private clients.

This role is for an individual to work within the Offshore Client Real Estate part of the business i.e. lending to family offices, high net worth property developers and investors, and to borrowers structured through corporate structures.

Description of role and key responsibilities

This role is to provide analytical and execution support to the Originators and the wider Offshore Client Real Estate team, assisting in the origination, structuring and ongoing management of a portfolio of real estate loans across the Channel Islands and the UK. The role will primarily involve the following:

• Building debt cash flow, scenario and sensitivity models, and return / pricing analysis to support disciplined growth and data interrogation,

• Preparing term sheets and credit papers for Originator review, including proposing structuring (pricing, leverage, covenants, security, etc.),

• Detailed analysis of new deals, including scrutinising client quality, scenario and sensitivity testing, review of cash flow models and property due diligence,

• Robust financial analysis of sponsors, guarantors, contractors and other relevant parties involved in the delivery of new development or investment projects,

• Proactively supporting the management of the existing loan book to agreed strategies – covering annual reviews, development drawdowns, loan extensions and increases, renegotiation of facility terms and ad-hoc client requests,

• Liaising with and navigating internal teams and systems (Operations, Valuers, Monitoring Surveyors, Onboarding, Credit and Legal Counsel) and external partners to manage the book and progress new opportunities,

• Attending Client meetings, preparing credit applications and supporting the presentation of transactions to the Real Estate Deal Forum and the Bank’s Credit Committee,

• Supporting the post-credit legal, valuation and due diligence process, including review of legal documentation, valuation reports and QS reports,

• Supporting credit stewardship and book hygiene, ensuring conditions and covenants are complied with and that annual reviews and contractual expiries are kept up to date,

• Embedding templates, tools and AI / technology into the lending workflow, and utilising data sources and management information (e.g. Vision / CRM / credit data), to enhance insight, create capacity and reduce deal cycle times,

• Supporting the Offshore Real Estate team in the completion of project work.

Core skills and knowledge:

• Strong financial and quantitative modelling skills, including the ability

to build debt cash flow models and produce scenario, sensitivity, pricing and return analyses.

• Practical fluency with technology and AI tools, with an aptitude for adopting automation, templates and tooling across the lending process.

• Ability to turn data and management information into clear, actionable insights.

• An understanding of valuation principles.

• An understanding of the key terms in real estate finance transactions.

• Ability to carry out financial analysis of a business and to identify relevant material business risks.

• High level of numeracy and attention to detail, with strong organisational and time-management skills.

• A proactive attitude to deliver for clients, with the ability to work to tight deadlines and react well to pressure while multitasking.

• Strong relationship and communication skills, with the ability to liaise effectively across internal teams and external partners.

• Knowledge of the property market and of property lending, with development lending experience is beneficial.

• Knowledge of Real Estate procedures including credit and drawdown related matters is beneficial.

• Understand and follow all relevant compliance considerations including the regulatory environment and appropriate processes, procedures, and their implications.

• Regulatory Knowledge as applicable to role (compulsory).

• To act with integrity at all times and embrace the philosophy of treating our customers fairly (compulsory).

• Strong cultural behaviours of co-operation, collaboration, respect for others, ability to engage in open and honest dialogue, embrace diversity and an unselfish contribution to colleagues, clients, and society.

Any other attributes that would be helpful, but not essential for the role.

Previous real estate finance or property lending experience, and knowledge of credit and loan documentation. Familiarity with the Channel Islands / Crown Dependencies market and structures.

This role description accurately reflects the key responsibilities and associated skills, knowledge and attributes required for to perform this role at this time. It is the responsibility of the employee and manager, to update this profile, (and store against the employee’s record), as responsibilities, required skills and knowledge changes.