Job Description

At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fueling the UK
This is a fantastic opportunity to join a fast-paced, growing bank with a reputation for doing things differently. We don't want another cog in the machine, we're looking for self-starters and bold thinkers who want to pave their own career paths and are passionate about supporting the UK's best and brightest business people.
The mission of the Director, Portfolio Management - Growth is to expand our lending book by uncovering opportunities within our existing portfolio. You'll identify opportunities early, understand our customers' ambitions, and work closely with Origination to turn insight into high-quality, well-timed transactions.
Key responsibilities:

• Proactively identify new lending and retention opportunities within the existing customer base by analysing and tracking borrower performance, their growth plans and aspirations, strategic initiatives, and capital requirements.
• Develop a deep understanding of each borrower's financial and operational performance, using portfolio insights to anticipate upcoming financing needs In the specific business we lend to, as well as any other linked opportunities, including in associated entities, parent companies, via personal or corporate shareholders, or investors that may benefit from bank lending.
• Partner with Origination Directors to qualify, shape, and prioritise potential transactions, ensuring alignment with the bank's risk appetite and strategy.
• Spend substantial time embedded with the Portfolio Management team to keep up to date on upcoming refinancing events, liquidity needs, or expansion plans
• Leverage internal systems and data tools to identify early signals of growth potential or lending demand

Skills & experience:

• 10+ years' experience in banking, either across commercial banking, corporate banking, credit analysis, or lending - with a strong focus on portfolio management and growth
• Strong analytical and financial modelling skills, including familiarity with complex lending and security documentation
• Strong commercial acumen and market insight
• Demonstrated ability to manage complex borrower relationships and negotiations, including amendments, refinances, and covenant resets.

Benefits & Perks:

• Equity. We want people to have a stake in the business so that all our interests are aligned.
• 25 days holiday
• Personalized benefits - opt-in to what matters to you
• Subsidised Private Medical Insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events
• Support causes that matter to you - Volunteering time off
• Salary sacrifice schemes (Cycle to work, nursery, gym, electric car scheme)

Skills Required