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 rate basis.                                                                                

 JOB PROFILE 

Job Title:                        Lending Services Officer                                                   

Contract:                       Permanent, Full-Time (32 hours per week)

Location:                       Office Based, Tonbridge with hybrid working available  

Responsible to:    Senior Lending Services Officer

Direct Reports:          None   

Date:                              April 2026

­Purpose of the Role:

The Lending Services Officer supports the end-to-end delivery of lending for borrowers, providing accurate, timely and reliable operational support across the lending lifecycle from application, through approval and drawdown, and into in life servicing. Working under the direction of the Senior Lending Services Officer, the role supports Banking, Credit, Lending Services Managers and Finance by coordinating, administering and completing lending related activities in line with regulatory, legal and internal policy requirements.

The role contributes to a high-quality borrower experience through dependable delivery, strong attention to detail and effective collaboration with internal teams. The postholder plays an active role in ensuring lending activity progresses smoothly between teams, maintaining accurate records, supporting financial and operational controls, and adopting agreed process improvements to strengthen efficiency, reduce risk and improve ways of working.

Key Accountabilities:

1.        Loan Book Control & Operational Excellence

• Manage the loan book in collaboration with Credit, Impact Lending (IL), Social Investment Solutions (SIS) and the Portfolio Management Unit (PMU), including:

• Valuations

• Repayments and interest rate change

• Loan variations and restructures

• Loan closures and release of security

• Ongoing AML and post drawdown due diligence

• Searches

• Ensure all post completion activity is executed accurately, promptly and in line with agreed service standards.

 2.        Risk & Compliance Stewardship

• Follow Lending Services processes and procedures to ensure compliance with regulatory, legal and internal policy requirements.

• Complete checks accurately and flag discrepancies, issues or risks promptly to the Senior Lending Services Officer.

• Ensure loan documentation and records are complete, accurate and audit ready.

 3.        Change Adoption & Continuous Improvement

• Support the implementation of agreed process changes, new ways of working and system improvements.

• Actively engage with training and guidance to build knowledge and capability.

• Identify opportunities to improve efficiency, reduce errors or simplify processes and feed suggestions into the team.

4. Team & Stakeholder Collaboration

• Work collaboratively with colleagues across Lending Services and with internal stakeholders such as Credit, Finance and Compliance.

• Communicate clearly and professionally regarding task progress, issues and dependencies.

• Contribute positively to team culture, supporting shared goals and service delivery.

Person Profile

Experience:

Significant experience in an administrative or operational role within a regulated or complex environment.

 Skills & Aptitudes:

• Excellent interpersonal skills, with the ability to engage effectively with colleagues at all levels, borrowers and external professional advisers.

• Clear, accurate and confident written and verbal communication skills.

• Strong attention to detail, with the ability to maintain high standards of accuracy and compliance.

• Well-developed organisational and time management skills, including the ability to prioritise workloads, meet deadlines and delegate appropriately.

• Ability to work independently within established policy and procedural frameworks.

• Demonstrated people management or team leadership capability.

• Commitment to always act consistently with the Bank’s values.

 Personal Attributes & Disposition:

• Empathy with, and commitment to, the Bank’s mission and values.

• High levels of personal integrity, discretion and professionalism.

• Confidence and resilience, with the ability to operate effectively under pressure.

• Reliable, dependable and accountable in approach.

• Collaborative team player, willing to support colleagues and share knowledge.

• Open to learning, development and adapting to change.

 Thinking Style:

• Well organised, methodical and systematic in approach.

• Flexible and adaptable, with the ability to respond positively to new situations and evolving requirements.

• Proactive, solutions focused and tenacious in resolving issues and driving improvements.