Lending Specialist (Underwriting)

This role would ideally suit a candidate with good lending experience that is looking to join an organisation where there is plenty of opportunity to progress.

Your responsibilities will include:

• Working as part of a busy front office lending team 
• Meeting clients, answering queries and reviewing mortgage and loan applications within agreed SLAs (either via email or telephone) and delivering exceptional client service.
• Acting as both an internal and external credit advisor assessing client structures and devising client centric solutions
• Reviewing and renewing existing loan facilities
• Presenting cases at the bank’s credit committee
• Assisting other Lending Officers in the approval and conclusion of the facilities they underwrite
• Working with other departments including Credit Risk & Credit Ops to ensure credit facilities remain within our defined risk strategy and ensuring that risk culture is built into all new product design, case submission and portfolio review
• Making recommendations for continuous improvement to the lending process
• Contributing to CI lending targets

Your qualifications and skills include:

• Minimum 5 years’ finance/banking/lending experience (o equivalent)
• Holds or is prepared to undertake qualifications e.g. CEMAP
• Excellent administration skills
• Speed, accuracy and reliability
• Excellent communication skills
• Co-operative attitude

Does this sound like you?

Account Manager, Private Clients (6-month contract)

We are looking for a temporary team member for our Client Service team, to be responsible for the day-to-day servicing of a book of private clients.

Your responsibilities will include:

• Undertaking day-to-day existing client service and working closely with the Relationship Manager (RM) to coordinate the onboarding of new clients
• Receiving and processing instructions from clients (including payments, security trades, foreign exchanges, Notice and Fixed deposits, corporate actions and static data changes), coordinating with other departments as required, ensuring that all necessary actions are taken
• Identifying opportunities to cross and up sell the Bank’s products and services, working with the RM to convert these leads and record them in the appropriate database
• Communicating with clients daily, handling general enquiries.
• Assisting clients with online banking setup and enquiries
• Assisting other team members during busy times
• Assisting with and co-ordinating projects and large-scale system tasks that may arise from time-to-time
• Assisting with client periodic risk reviews and trigger reviews as and when required, in order to assess ongoing risks to the bank and to help close any KYC/AML shortfalls.

Your qualifications and skills:

• Excellent interpersonal skills
• Experience in a financial services client facing role
• A strong ability to effectively support client relationships and to build relationships in conjunction with the Relationship Manager.
• Advanced knowledge of Outlook / proficient IT skills.
• A track record of working collaboratively within a team

Customer Service Executive, Custody

We are looking for a CSE to provide support to the Custody team and assist in the servicing of clients.

Your responsibilities will include:

• Assisting with day-to-day client service.
• Receiving instructions (payments, security trades, foreign exchanges, Fixed deposits and corporate actions) from clients and carrying these out.
• Communicating with clients to resolve queries, carrying out call backs and arranging online banking activations.
• Identifying opportunities to cross and up sell the banks products and services, and work with Relationship Managers to convert these leads
• Being aware of, and actively contributing towards the bank’s financial targets and the revenue of your clients.
• Assisting with projects and large-scale system tasks that may arise.
• To assist with the timely completion of client risk reviews
• Ensuring that all relevant and current rules, regulations and Bank policies are adhered to in respect of your clients.

Your qualifications and skills include:

• Strong written and verbal communication skills.
• The ability to work collaboratively within a team
• Proficient IT skills
• Keen interest in banking and learning about products/services
• Experience in any banking role (desirable but not required)
• A pro-active approach to suggest new ideas/innovation/process changes
• Ability to think outside of the box and enthusiasm for change and the unexpected.

Does this sound like you?

Disclaimer: Butterfield Bank (Guernsey) Limited (“BBGL”) is licensed and regulated by the Guernsey Financial Services Commission under The Banking Supervision (Bailiwick of Guernsey) Law, 2020, The Protection of Investors (Bailiwick of Guernsey) Law, 2020 and The Lending, Credit and Finance Bailiwick of Guernsey) Law, 2022 each as amended from time to time, under registration number 85. BBGL is a participant in the Guernsey Banking Deposit Compensation Scheme (the “Scheme”) established by The Banking Deposit Compensation Scheme (Bailiwick of Guernsey) Ordinance, 2008 (the “Ordinance”). The Scheme offers protection only in respect of ‘qualifying deposits’ (as that term is used in the Ordinance) of up to £50,000, subject to certain limitations as set out in the Ordinance. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme’s website www.dcs.gg or upon request. Deposits are not covered by the UK Financial Services Compensation Scheme under the Financial Services and Markets Act 2000, nor are deposits covered by any equivalent scheme outside of the Bailiwick of Guernsey. BBGL is registered under the Data Protection (Bailiwick of Guernsey) Law 2017, under registration number 11160 and with the Guernsey Registry under registration number 21061. BBGL’s registered office address is P.O. Box 25, Regency Court, Glategny Esplanade, St Peter Port, Guernsey, GY1 3AP. BBGL’s products and services are available in Guernsey and only in those other jurisdictions where they may be legally offered or obtained. BBGL is a wholly-owned subsidiary of The Bank of N.T. Butterfield & Son Limited. Terms and Conditions can be obtained from our website and copies of the latest audited accounts are available on request.

Senior Treasury Dealer - Guernsey

We are looking for a new team member to assist with managing the Channel Islands Repo, Money Market & Foreign Exchange books. This role is based in Guernsey.

 Your responsibilities will include:

• Day to day operation of the Bank’s Repo, Money Market and Foreign Exchange books.
• Placing/taking funds via the Repo & Money Markets and ensuring the appropriate level of funds at the Bank’s correspondent accounts.
• Act to enhance returns on the Bank’s funds and maintain liquidity within internal and regulatory requirements.
• Maintain interest rate risk exposure within limits.
• Assist with maintenance and control of the Bank’s client deposit interest rate structure.
• Prepare and publish deposit rate sheets to client facing teams and provide ad-hoc client deposit rates.
• Provide clients with quotations of spot and forward foreign exchange rates, monitoring exposure and arranging cover in the interbank market.
• Help strengthen existing and develop new interbank counterparty relationships across all traded products.
• Provide treasury clients with reasoned and informative opinions of global economic issues and developments.
• Assisting the CI Treasury Head and client facing teams in promoting the Bank’s services to develop new and existing counterparty and client relationships.
• Assisting with reviewing and updating Treasury procedure manuals.

 Your qualifications and skills include:

• A minimum of five years’ experience gained in an active market trading environment with experience of Repo/Securities Finance, inter-bank Money Markets and Foreign Exchange.
• Experience of Central Counterparty Clearing would be advantageous.
• Ideally ACI Diploma qualified or equivalent.
• Proven self-management skills gained in a Bank Treasury function generating significant gross profits.
• An ability to understand and effectively interpret and communicate market and economic data.
• A stable and calm temperament to work accurately and effectively under the pressures arising from working in active markets with high value tickets to tight deadlines.
• Excellent numerical, communication and inter-personal skills for the clear and concise provision of instructions and advice.