Lending Completions Officer

Job description

About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. Role Description This is a key role in delivering a fast, accurate and well-controlled lending journey. You will manage a portfolio of cases from offer and post-sanction administration through to drawdown and completion, making sure every case is progressed efficiently and every condition is properly satisfied. Commercial mortgages will be a core part of the role, alongside other commercial lending products such as GGS loans, overdrafts, business loans, asset finance, non-property-backed lending and unsecured lending. You will work closely with Relationship Managers, Underwriting, legal and valuation partners and other teams across the bank. Principal Accountabilities Manage a pipeline of lending cases from offer to completion, meeting service levels, quality standards and expected completion timelines. Deliver post-sanction administration, including releasing communications, instructing legal and valuation partners and coordinating payments. Review and satisfy Conditions Precedent and other completion requirements, escalating risks, gaps and delays early. Coordinate drawdown and completion activity accurately, ensuring the right approvals, documentation and controls are in place. Build effective working relationships with Relationship Managers, Underwriting, solicitors, valuers and other internal and external stakeholders. Maintain clear, accurate and audit-ready case records, including sanction audit trails, customer records and updates to the core banking system. Communicate relevant information clearly so that colleagues and decision-makers understand the position, risks and actions required. Work in line with bank policies, procedures, regulatory requirements, Conduct and Treating Customers Fairly expectations. Support wider lending and Operations activity, including cross-skilling, issue resolution, quality improvements and change initiatives. Personal Attributes & Experience Experience in lending, credit operations, mortgage com…