3 Loan Officers jobs in the United Kingdom

Objectives:

Take ownership of non-performing loans portfolio across the business, assessing the health of the portfolio and ensuring adherence with internal and regulatory standards. Analyse the risks of nonperforming loans and their impact on the wider portfolio. Implement strategies for recovery including restructuring, negotiations or legal action. This position requires a seasoned risk professional with extensive experience in real estate financing, particularly within the private equity sector. Show strong commercial acumen and operational discipline in implementing and monitoring the function, with the focus of minimising losses by restructuring and if necessary maximising recoveries for the business.

Responsibilities:

Portfolio Oversight: Monitor and manage the NPL portfolio to assess its performance and health, ensuring compliance with internal and regulatory standards.

• Risk Assessment: Analyse credit risks associated with non-performing loans, identifying the causes of defaults and potential impacts on the portfolio.

• Restructuring and Recovery Strategies: Develop and implement strategies for early engagement with borrowers in line with the risk management framework. Recommending the appropriate action which may include restructuring, renegotiation, or legal action.

• Financial Analysis: Conduct detailed financial analysis of borrowers to determine their repayment capabilities and potential recovery options.

• Reporting: Prepare and present reports on the status of the NPL portfolio to senior management, identifying trends, risks, and recovery progress.

• Collaboration: Early engagement and close working relationships to be established with other departments, such as origination and legal to initiate clear strategies to restructure Shojin's position thereby avoiding the need to commence legal actions if possible.

• Technology: Utilize credit risk management software and tools to analyse data and improve decision making processes.

• Training & Development: Provide guidance, feedback and training to team members to enhance their understanding of credit risk management and. Particularly, to understand the learning from restructurings and recoveries.

• Crisis Management: Develop strategies for dealing with customers in financial distress and lead on recovery and restructuring negotiations.

• Management: Advocate for and help develop policies and procedures related to managing non performing loans and recoveries.

• Stakeholder Engagement: Maintain communication with stakeholders, including clients and senior management, regarding status updates and recovery strategies.

Essential Skills:

• Attention to Detail: Crucial for identifying potential risk issues and credit risks.

• Regulatory Knowledge: In-depth understanding of regulations and other relevant financial laws. Including, Insolvency process and relevant laws.

• Communication: Effective communication skills to provide clear guidance and training.

• Ethics and Integrity: High ethical standards to ensure unbiased and fair compliance practices.

Our University  

Ravensbourne University London is an innovative, industry-focused university located at the heart of London’s newest creative community on the Greenwich Peninsula. We're champions of creativity and collaboration, dedicated to giving our learners the specialist skills and opportunities they need for outstanding careers in digital media and design. 

The Role  

Working in the Registry Team at Ravensbourne, the primary purpose of the role is to manage and co-ordinate key Student Loan activities across the University. This will include but not limited too; managing student funding processes in the SIS system, organising and managing the Course Management System, working with the new Lifelong Learning Entitlement (LLE) funding model, providing advice and guidance to students and staff on student loan processes and working with internal stakeholders and external agencies on a regular basis. 

As a focal point for co-ordinating the student loan processes at the University you will need excellent understanding and insight into complex databases.  

In all aspects of the role, you will be working with a wide and diverse range of colleagues and key stakeholders. 

You will need a good insight and understanding of Student Loan processes or worked in a similar environment and ideally and good insight into the Registry function and the function of other Higher Education business areas. 

This is an exciting time to join the Registry team at Ravensbourne as the University is on a journey of significant and positive change. 

The Candidate  

The ideal person will be educated to degree or equivalent, preferably have Finance and/or Higher Education related experience, experience and involvement in student records system (preferable SITS) and/or worked with complex data bases, be able to analyse data and problem solve, be proactive and motivated to achieve high standards and be a team player.  

The post holder will have excellent interpersonal and team working skills and be able to engage at all levels in an organisation.  

We Offer

• Generous leave
• We operate a hybrid working model of on-site and working from home for most of our posts
• Talk to us about hybrid working
• Competitive Pension Scheme
• An Employee Assistance programme
• A cycle-to-work scheme

Closing Date: 09 Nov 2025

Unit: Professional

Salary: From £36,571 per annum