Lending Services Officer

Applied; England; Hybrid; GBP 22,000 - 28,000; Full time

Job summary

A financial institution in Kent is seeking a Junior Administrator to support the Lending Services team. This role involves providing administrative assistance throughout the loan process, ensuring compliance with legal and procedural requirements. Ideal candidates will have strong administrative skills, attention to detail, and the ability to work with various stakeholders. The position offers a full-time schedule of 32 hours over four days, promoting work-life balance within an agile environment.

Benefits

Hybrid working model

Four-day work week

Employee wellbeing initiatives

Qualifications

• Experience within an office environment.
• Strong administrative and process improvement skills.
• A team player with strong interpersonal skills.

Responsibilities

• Provide administrative support to the Lending Services team.
• Assist in taking loans from approval through to completion.
• Work closely with internal and external parties.

Skills

Administration

Process improvement

Time management

Flexibility

Critical thinking

Education

Good standard of Maths and English

Tools

Microsoft Word

Microsoft Excel

Job description

Employment Type Full time 32 hours per week typically worked over 4 days

Location On site ·Kent, UK Hybrid working available under agile working policy

Team Lending Services

Seniority Junior

• Closing:11:59pm, 25th Jan 2026 GMT

Perks and benefits

Candidate happiness

7.83 (381)

Job Description

Who is Charity Bank?

Charity Bank is a savings and loans bank with a mission to use money for good. We use the money our savers entrust to us to make loans to charities, social enterprises and organisations with charitable purposes. Our community of borrowers, savers, shareholders and staff are all working towards one goal – helping to create lasting social change in our communities. If you believe that banks have a vital role to play in creating a world, we all want to live in and you want to live your values at work, apply for this vacancy today.

Charity Bank Recruitment Process

At Charity Bank, we prioritise inclusion and fairness in our recruitment process. Our use of recruitment software helps mitigate unconscious bias by incorporating skill-based questions alongside CVs. Responses and CVs are anonymised and reviewed in random order by our hiring team to ensure an equal chance for all candidates, regardless of background. Demographic questions are strictly for statistical purposes, ensuring a balanced candidate pool. Opting out of these questions is an option.

The use of AI tools (e.g., ChatGPT or similar) is permitted in the application process. However, we advise against copying and pasting answers from AI tools, as this often results in generic responses. We encourage you to showcase your own experiences, voice, and style in your answers

We review all applications within two weeks after the closing date, so expect feedback shortly thereafter. If you require reasonable adjustments during the application process, please email us at [e-mail].

Disability Confident Scheme

Under the Equality Act 2010, a person with a disability is someone who has – or has had in the past – a physical or mental impairment which has a substantial and long-term adverse effect on that person’s ability to carry out normal day‑to‑day activities.

As an Equal Opportunities and Disability Confident Committed employer, we actively encourage applications from people who consider themselves to have a disability falling within this broad definition. To access the Disability Confident Scheme, as an applicant with a disability/long‑term health condition/mental health condition, you are simply required to:

Show that you meet the essential criteria described in the person specification.

Answer ‘yes’ to both the following questions on the Bank’s application form, ‘according to the definition of disability do you consider yourself to have a disability?’ and ‘do you wish to be considered under the Disability Confident Scheme?’

You are not required to share the name or nature of your condition; you are simply stating the fact that you have a disability or long‑term health condition/mental health condition. If you do not answer ‘yes’, your application will not be considered under the Disability Confident Scheme.

Adjustments for the application process and interview can be made if needed, so please contact us [e-mail] if you require this.

We are keen to recruit from as diverse a talent pool of applicants as possible, so the scheme gives you not a guaranteed job offer but an opportunity to be fairly and equally assessed in interview along with other candidates who meet the criteria for the role.

Hiring managers do not automatically know the details of your condition(s), they are allowed only to ask what adjustments you may need before the interview or when you are in receipt of a job offer.

Be reassured that any adjustments you require will be treated in the strictest confidence and will not form part of any aspect of the assessment.

If a job offer is made to you, we will discuss with you any adjustments that you may need in the workplace to enable you to perform the duties required. These will not be discussed at the interview.

In your application, please ensure you demonstrate clearly how you meet the essential criteria.

Charity Bank's Four‑Day Week initiative, open to all employees from day one, champions work‑life balance by providing four days of work with full‑time pay. This innovative approach underscores productivity, equal compensation, and the creation of an inclusive workplace in line with Charity Bank's social mission. The 32‑hour workweek typically spans four eight‑hour days, offering flexibility to typically choose Friday or Monday as the day off. Days off are protected and treated like weekends, ensuring uninterrupted personal time. The arrangement is flexible, adapting to part‑time employees on a pro‑rate basis.

Overall Purpose of the Role:

1. Provide administrative support to the Lending Services team and assist in taking loans from approval through to completion and drawdown, including legal due diligence and satisfaction of conditions precedent and other loan conditions in accordance with the terms of sanction and the relevant bank policy/procedure manuals.

2. Provide post‑drawdown administrative support to the Lending Services team, as well as the Impact Lending (IL), Social Investment Solutions (SIS), Portfolio Management Unit (PMU) and Credit teams, including inter alia repayments, security amendments, valuations, loan variations, interest rate changes, loan closures, release of security and ongoing AML due diligence.

3. Support Lending Services, IL, SIS and Credit teams on pre‑sanction lending opportunities.

4. Work closely with internal and external parties, in particular colleagues in IL, SIS, PMU, Credit and Finance, to ensure the bank achieves its mission, business plan targets and best‑in‑class service whilst protecting the bank from undue risks.

Dimensions of the Role:

Key Contacts:

§ Internal - work closely with a broad range of colleagues/departments across the bank, in particular the Credit, IL, SIS, PMU and Finance teams.

§ External - work with a broad range of external parties including borrowers, legal, accounting and property professionals, Companies House and the Charity Commission.

Key Accountabilities:

1. To assist the Lending Services Team with administrative tasks relating to both the loan book and the approved pipeline.

2. Instruct professional advisors in accordance with the bank’s policies and procedures (including internal authorisations in accordance with the Procurement Policy).

3. Liaise with borrowers, solicitors and other counterparts to ensure conditions precedent and other conditions are completed prior to drawdown.

4. Inform relevant colleagues within Lending Services, Credit, IL and SIS on the progress of loans.

5. Update and maintain accurately all records including Aurius.

6. Assist in the maintenance of loan documentation and security post‑drawdown including processing prepayments, account changes and closures, including completing formalities for changes of trustees, changes of borrower names etc.

7. Support the Head of Lending Services or Head of Lending Journey Transformation on ad hoc projects.

8. Arrange the collection of loan fees due to the bank and other lenders where appropriate.

9. Run the monthly Direct Debit for loan repayments and ensure the Head of Lending Services and relevant colleagues in Credit, IL, SIS and PMU are promptly notified of any unpaid Direct Debits.

10. Post out loan statements, both on a daily basis and for the bulk six monthly statement run.

11. Assist the Lending Services Team in file management, including day to day filing, and maintenance of existing files.

12. Support Lending Services, IL, SIS and Credit on lending opportunities pre‑sanction.

13. Recommend new procedures or documentation to improve processes and provide a best‑in‑class service whilst mitigating, where possible, the legal and operational risks.

PERSON PROFILE

Experience (Essential)

§ Experience within an office environment

§ Strong administrative and process improvement skills

Attainments (Essential)

§ Good standard of Maths and English

§ Computer‑literacy particularly Word and Excel

§ A team player with strong interpersonal skills, able to communicate and work effectively with all levels of staff, borrowers, and professional advisers.

§ Excellent communicator – both orally and written

§ Strong organisational skills, excellent at prioritising and managing own time.

§ Ability to work on own initiative.

§ Excellent attention to detail

§ Flexibility and adaptability

§ Critical thinking and problem‑solving skills

§ Supports the principles of equality of opportunity, showing respect for diversity & differences.

Thinking Style (Essential)

§ Shows a high degree of personal integrity; quickly engenders trust with staff and peers.

§ Flexible in style and approach, able to adapt to new situations requiring new skills.

§ Driven, tenacious and solutions focused.

§ Knowledge/experience of the voluntary/social and/or banking/lending sectors

Skills

Administration and attention to detail

Teamwork and Problem‑solving

Flexibility and ability to take initiative

Process improvement

IT literacy

Time management

Critical thinking

Collaboration and confidence to challenge processes