Lending Director

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023.

The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment.

Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure account opening and management.

We are looking for a Lending Director to join us at this exciting time in our growth to support the needs of trading businesses lending requests.

The Lending Director role purpose is as follows:

• Develop the Bank’s reputation as an active, creative lender and relationship banker in the SME market.
• Identify and establish sustainable relationships with new creditworthy clients, through key business introducers such as the Broker network.

Duties and responsibilities:

• Build and nurture LHV SME’s presence in the community with local business networks, leading to the acquisition of borrowers through established Brokers, Accountants and business contacts.
• Help to develop and implement the team acquisition & relationship strategy (incl. which relationships and networks to target, in what order, and assist with driving the lending volumes across a suite of products designed for SME customers.
• Be a “Hunter and Farmer”, with an appetite to build long-lasting relationships from the start.
• Manage the pipeline and diary being organised and a self-starter.
• Assess and recommend lending applications as first line of defence, write detailed Credit reports (inc detailed financial analysis) on complex cases to develop appropriate solutions and establish a strong working relationship with the Credit team.
• Motivated by success in numbers, and driven to achieve individual and team targets.

Experience & Knowledge:

• Proven business development/sales experience within a Business / Commercial Bank environment.
• Experience working with Brokers and other Intermediaries with access to SMEs.
• Banking qualification ACIB or equivalent.
• In-depth knowledge of Trading Business lending.
• Advanced Microsoft skills – PowerPoint / Excel & Word.

Skills & Behavior:

Be able to Demonstrate:

• Strong communication (incl presentation skills) between key stakeholders, internally and externally.
• A commercial awareness, in relation to the external competitive market but also the requirements. and flexibility required of working within an SME organisation.
• Taking responsibility and ownership of work delivery.
• Strong customer centricity and appreciation of changes in customer behaviour.
• Acting as an advocate and setting the cultural tone for the wider organisation.
• Multi-tasking and prioritisation in a changing environment.
• High standards of personal performance in daily execution of tasks.
• Identifying opportunities for efficiency, cost reduction and continuous improvement.

Some of our benefits (only applicable to UK based roles not Internship programmes)

• Competitive salary &lots of opportunities to learn, grow and progress professionally.
• Open and inclusive culture.
• Fantastic offices and great working environment.
• Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)
• Life assurance – 4 x salary.
• Income protection insurance – 75%
• 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year.
• Swappublic/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.
• Enhanced family friendly and family forming policies.
• Access to a wide range of retail discounts .
• Team Socials.

LHV CANDIDATE PRIVACY NOTICE

1. INTRODUCTION AND SCOPE

We, LHV Bank Limited, with our registered office at 1 Angel Court, London, EC2R 7HJ are the relevant data controller responsible for your personal data. We are registered with the Information Commissioner's Office. This Candidate Privacy Notice explains how we and our Group companies collect, use, and protect your personal data during the course of the application and recruitment process.

This Notice applies to all job applicants located in the UK.

You should read this privacy notice carefully. If you have a question about the contents, please e-mail us at , or write to us at LHV, One Angel Court, London, EC2R 7HJ, or call us on .

If you want to contact our Data Protection Officer (the “DPO”), email us at

2. WHAT PERSONAL DATA DO WE COLLECT?

Personal data means information which identifies you and relates to you as an individual. As your prospective employer, we will collect, use and store your personal data for a wide variety of reasons in connection with the application and recruitment process. We have set out below the main categories of candidate personal data which we process in connection with our recruiting activities on a day to day basis:

• personal contact information (including your name, home address, personal telephone number(s) and personal e-mail address);

• work history and other relevant experience including information contained in your CV, cover letter or job application;

• education information including degrees awarded, transcripts and other information provided in support of the job application;

• information collected during phone screenings and interviews;

• information gathered during psychometric assessments, including reports generated from your responses, including insights into personality traits, cognitive abilities, and behavioural preferences;

• details regarding the type of employment sought, desired salary, willingness to relocate, job preferences, and other information related to compensation and benefits;

• reference information and information received from background checks (where applicable) including information provided by third parties;

• information related to previous applications to us or previous employment history with us;

• documents evidencing your right to work (including information about your immigration status where relevant);

• date of birth;

• gender; and

• information gathered through our monitoring of our IT systems, building access records and CCTV recording in relation to your communications with us and attendance at our premises.

The majority of the personal data to be provided by you is mandatory in connection with our recruiting activities. Failure to provide mandatory personal data may affect our ability to accomplish the purposes stated in this Notice, including considering your suitability for employment and/or entering into an employment contract with you.

The list set out above is not exhaustive, and there may be other personal data which LHV Bank Limited collects, stores and uses in the context of the application and recruitment process. We will update this Notice from time to time to reflect any notable changes in the categories of personal data which it processes.

The majority of the personal data which we process will be collected directly from you. However, your personal data may also be provided to us by third parties, such as recruitment or executive search agencies, third party assessment providers, credit reference agencies, professional networking sites or other public sources such as LinkedIn, former employers, official bodies (such as regulators or the Disclosure and Barring Service) and/or medical professionals.

3. REFERENCES AND VETTING

We may need to carry out background checks in relation to the following as applicable:

• Credit references/financial check;

• Professional registrations/memberships and/or qualifications check;

• Right to work and immigration status check; and

• References from previous employers.

As part of our referencing and vetting procedures, we will contact certain third parties in order to verify your personal information (including personal information that you provide as part of the application and recruitment process). These third parties will include:

• former employers in order to verify your previous employment history;

• universities and/or other establishments for higher education that you attended in order to verify your education history;

• credit reference agencies; and

• regulatory and/or Government or public bodies.

We will only seek this information in relation to successful candidates that have accepted a conditional offer of employment or engagement with us and we will specifically inform such candidates that we will be contacting these third parties in advance of doing so.

4. HOW WE USE YOUR PERSONAL DATA

LHV Bank Limited uses your personal data for a variety of purposes in order to take steps necessary to enter into an employment contract with you, to comply with our legal obligations or otherwise in pursuit of our legitimate business interests . We have set out below the main purposes for which candidate personal data is processed:

• to identify and evaluate job applicants, including psychometric testing, assessing skills, qualifications and experience;

• verifying candidate information and carrying out employment, background and reference checks, where applicable and in order to prevent fraud;

• communicating with you about the recruitment process and your application;

• to comply with our legal, regulatory, or other corporate governance requirements; and

• for the purposes of conducting data analytics to review and better understand the operation of our recruitment processes.

In addition to using your personal data to consider you for the role you applied for, we will retain and process your personal data to inform you about and to consider you for other roles that may be appropriate for you. If you do not want us to consider you for other roles which we consider may be appropriate for you, please inform your HR contact.

Again, this list is not exhaustive and we may undertake additional processing of personal data in line with the purposes set out above. LHV Bank Limited will update this Notice from time to time to reflect any notable changes in the categories for which its processes your personal data.

5. WHAT SPECIAL CATEGORIES OF PERSONAL DATA DO WE PROCESS?

Certain categories of data are considered "special categories of personal data" and are subject to additional safeguards. We may need to process special category data as part of the application and recruitment process .

We limit the special categories of personal data which we process as follows:

We may process information about a candidate's physical or mental health in compliance with our obligations owed to disabled employees and to consider whether we need to provide adjustments during the recruitment process.

We will always treat information about health as confidential and it will only be shared internally where there is a specific and legitimate purpose to do so. We have implemented appropriate physical, technical, and organisational security measures designed to secure your personal data against accidental loss and unauthorised access, use, alteration, or disclosure.

If a candidate is successful, any health information processed as part of the recruitment process that is relevant to our compliance with our obligations in connection with employment will be retained and processed in accordance with the Employee and Contractor Privacy Notice.

If a candidate is unsuccessful, any health information obtained as part of recruitment process will be deleted with the rest of the candidate's personal data within 12 months of their rejection.

Given the nature of our business, we ask successful candidates who have accepted a conditional offer of employment to disclose their criminal record history and we carry out criminal record checks as part of our background vetting process and in compliance with our obligations in connection with employment.

We will always treat criminal record history as confidential and it will only be shared internally where there is a specific and legitimate purpose to do so. We have implemented appropriate physical, technical, and organisational security measures designed to secure your personal data against accidental loss and unauthorized access, use, alteration, or disclosure.

Criminal record information will be deleted once the recruitment process has been completed, subject to any exceptional circumstances and/or to comply with particular laws or regulations. Criminal record information will typically be retained for a maximum of 6 months, although the outcome of any check will remain on the employee's record.

LHV Bank Limited is committed to providing equal opportunities for employment and progression to all of its employees and from time to time it will process information relating to ethnic origin, race, nationality, sexual orientation and disability, alongside information relating to gender and age, for the purposes of equal opportunities monitoring.

We have implemented appropriate physical, technical, and organisational security measures designed to secure your personal data against accidental loss and unauthorized access, use, alteration, or disclosure. In addition, this monitoring will always take place in accordance with appropriate safeguards as required under applicable law, including:

o the provision of information relating to ethnic origin, race, nationality, sexual orientation and disability for the purposes of monitoring will be voluntary and processed for this purpose only with your consent;

o wherever possible, the monitoring will be conducted on the basis of using anonymised data so individual candidates cannot be identified;

o the information processed for monitoring purposes will be maintained separately from general management and HR records.

6. WHEN DO WE SHARE YOUR PERSONAL DATA?

We will share personal data with other parties only in limited circumstances in order to take steps necessary to enter into an employment contract or where necessary to comply with a legal obligation, or otherwise in pursuit of our legitimate business interests as follows:

• Recruitment or executive search agencies that assist with the recruitment process;

• Other companies in the LHV group, to oversee recruitment / employment terms;

• Background vetting specialists that assist with checks relating to matters such as references, education history, qualifications, identity, credit status, regulatory status & registrations ,Sanctions checks and DBS checks;

• Recruitment software service providers, including Greenhouse Software and HR System (HiBob);

• Psychometric assessment providers, including Predict

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