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 recruitment@charitybank.org.

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 at recruitment@charitybank.org 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.

If you have any questions about the process, please contact us recruitment@charitybank.org.

Four-Day Week with Full-Time Pay 

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 rata basis. 

Job Title:                        Lending Services Manager (LSM)                                  

Contract:                      Fixed Term Contract Full-Time (flexible working considered)

Location:                       Office based, Tonbridge (hybrid working available)         

Responsible to:      Senior Lending Services Manager

Direct Reports:             None

Date:                              April 2026

Overall Purpose of the Role:

The LSM works with Banking and Credit functions to manage the successful transition of borrowers from approval to drawdown, ensuring all conditions, documentation and controls are satisfied in line with policy, regulatory and risk requirements while delivering a consistent borrower experience.

The LSM role exists to ensure that approved lending is progressed efficiently, correctly, and in line with policy, regulatory and legal requirements, providing continuity and confidence for borrowers during the post‑approval phase of the lending journey.

The LSM role is a front‑line case management role, forming the backbone of Lending Services delivery. It provides:

• Execution of BAU lending activity

• First‑line risk and quality control

• Stability and consistency for borrowers

• Operational capacity that enables senior roles to focus on oversight, escalation and change

Key Responsibilities

• Manage individual lending cases end‑to‑end, from credit approval to drawdown, ensuring all conditions precedent are satisfied, documentation is accurate, and risks are appropriately controlled

• Deliver a high‑quality borrower experience, acting as a consistent point of contact, progressing matters clearly and professionally, and resolving issues promptly

• Apply first‑line controls and quality checks, including independent review of documentation (e.g. Loan Agreements), ensuring accuracy against approved terms and escalation where discrepancies arise

• Escalate complex, high‑risk or time‑critical issues to the Senior LSM, providing clear summaries and options to support effective decision‑making

• Contribute to pipeline and cashflow discipline, maintaining accurate case updates and supporting visibility of progress and forecast drawdowns

• Collaborate across teams, including Relationship Managers, Credit, Legal Panel firms, Compliance and Finance, to support smooth case progression and resolution of issues

Relationship with the Senior LSM

• Reports directly to the Senior Lending Services Manager, who retains accountability for file allocation, pipeline oversight, escalations and people leadership

• Operates with day‑to‑day autonomy over assigned cases, while working within frameworks, priorities and standards set by the Senior LSM

• Feeds operational insight, risks and improvement opportunities upwards to support continuous improvement and Lending Journey Transformation activity

 Key Success Measures

• Borrowers experience a smooth, well managed transition from credit approval to drawdown, with clear communication, realistic expectations and confidence in the process.

• Works closely with Banking and Credit colleagues to support shared ownership of outcomes and ensure conditions, documentation and controls are completed accurately and on time.

• Demonstrates a swift, hands-on approach to case management, taking personal responsibility for momentum, accuracy and resolution.

• Proactively identifies risks, blockers or dependencies and escalates issues early and clearly to the Senior Lending Services Manager where required.

• Applies strong first line quality and risk controls, ensuring documentation aligns with approved terms, policy and regulatory requirements.

• Is experienced by internal teams as a positive, collaborative and solutions focused partner, contributing to effective cross team working and operational stability.

• Balances pace with control, consistently delivering high-quality BAU outcomes while supporting confidence for borrowers and stakeholders.

PERSON PROFILE                 

Essential Experience

• Minimum of 5 years secured lending experience

• Knowledge of company law, charity law and the taking of all types of security

Desirable Experience

• Knowledge/experience of the voluntary/social sectors

 Key Skills & Competencies

• Strong Banking and /or Lending experience - with a good understanding of credit decisions, conditions and risk requirements.

• Knowledge of Regulation and Legislation – required to proficiently manage lending activity e.g. KYB/KYC/AML/ongoing monitoring etc

• Confident Decision-making skills - able to act independently within authority and escalate appropriately

• Excellent organisation and prioritisation - managing multiple cases accurately and at pace

• Clear & confident communication style - engaging effectively with borrowers and internal stakeholders; excellent written communication skills, clear and accurate.

• Hands on, proactive approach - with a strong work ethic and personal ownership of outcomes

• Strong attention to detail and quality - applying effective first line risk and control checks

  • A continuous improvement mindset - actively identifying better, faster and more efficient ways of working

Attainments

Computer-literacy and numeracy (Word, Excel and Outlook)

• A Level, degree or professional qualification (ACIB or equivalent)

Disposition

• Empathy for the bank’s mission and values

• Self-reliance

• Lack of prejudice

• Discretion, confidence and resilience

• High levels of personal integrity

• Ability to work under pressure.

• Reliable

• Team Player

• Willingness to learn, develop and adapt