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St. James's Place (SJP) works in partnership to plan, grow and protect our clients’ financial futures. We deliver personalised, face-to-face financial advice to our clients, who trust us to manage their money to reach their goals. We provide this service via the Partnership, a network of qualified, expert advisors. We put financial wellbeing and responsible business choices at the heart of everything we do. We believe in the value of difference and know that diverse teams can help us problem solve and innovate for clients.
We look for people to join SJP to make an impact and to contribute to our culture which is based around long term relationships, doing the right thing, and being the best version of ourselves.
Location: Cirencester Office
Workplace Type: Hybrid
Employment Type: 12 month Fixed-Term Contract
Seniority: Entry Level
This person will assist with the preparation and assessment of new lending proposals for approval, in support of the provision of loans to the SJP Partnership. The role holder will support with insight and analysis of each borrower’s financial position including analysing historic accounts, identifying trends in revenue/costs as well as checking financial forecasts and projections. This person will need confident interpersonal skills as they will have regular contact with SJP Partners in relation to short term loans they may have undertaken, contractual loans and re-financing of existing loans.
What you’ll be doing:
- Assess affordability of Partner loan applications for approval by Lending Managers.
- Analyse Business Sale & Purchase performance ahead of arranging settlement of future stage payments.
- Preparation/issue of lending deeds and documents as required ensuring compliance with FCA, CCA and Companies House records.
- Work with external lenders to minimise use of SJP funds used in bridging transactions in line with targets.
- Liaise with the SJP Partnership at all levels to aid conversations around lending.
Who we’re looking for:
- Comfortable with MS Office with knowledge of Excel.
- Analytical skills and comfortable with manipulation of data in Excel.
- Disciplined time management qualities to deliver to deadlines and manage internal stakeholders.
- Self-motivated, methodical and able to work using own initiative.
- Able to demonstrate attention to detail and capable of self-review.
- Understanding of the different trading entities used by the SJP Partnership and their tax structures.
- Able to meticulously apply SJP lending principles to enable efficient and successful analysis of loan applications but underwriting function.
- Able to multi-task, managing lending requests against targets.
- Competent and professional – able to communicate with colleagues at all levels and SJP Partners.
What's in it for you?
- Non-Contributory Pension – 10% (increasing with length of service up to 15%) with further pension matching.
- Parental leave – 6 months full pay
- 28 days holiday entitlement plus bank holidays (based on full-time equivalent) with the option to buy up to an additional 5 days holiday
Flexible Working
We know that everyone works best in different ways, at different times and in different environments. We have introduced a hybrid working policy to provide greater flexibility for part-time work, job-sharing, remote working, and flexibility on hours. Our people are encouraged to work in a flexible way that suits their lifestyle, so please ask the question and start a conversation!
Research tells us that applicants (especially those from underrepresented groups) can be put off from applying for a role if they do not meet all the criteria or have been on an extended career-break. If you think you would be a good match for this role and can demonstrate some transferable experience please apply, regardless of whether you tick every box.
Reasonable Adjustments
We're an equal opportunities employer and want to ensure our recruitment process is accessible and inclusive for all, if you require reasonable adjustment(s) at any stage please let us know by emailing us at [email protected]
What's next?
Our team will be in touch. As a business regulated by the FCA we would advise you to familiarise yourself with the conduct regulations and in particular consumer duty obligations prior to an interview with SJP.
