Vargo Group
Investment Executive
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Job Description
Job Title: Investment Executive – Commercial Lending
Location: Cardiff, Wales (Hybrid – Cardiff office attendance required once per week)
Salary: Competitive + Benefits
We are seeking a motivated and commercially minded Investment Executive to join a growing Commercial Lending team. This role offers an excellent opportunity to support the origination, assessment, execution, and management of debt investments across a diverse portfolio of UK businesses.
The successful candidate will play a key role in evaluating lending opportunities, conducting financial analysis and due diligence, preparing investment recommendations, and supporting portfolio management activities. The position is primarily home-based, with attendance at the Cardiff office required once per week and occasional travel to meet clients and stakeholders.
Key Responsibilities
- Support the sourcing and evaluation of new commercial lending opportunities.
- Develop and maintain relationships with business owners, intermediaries, professional advisers, banks, and other stakeholders.
- Attend meetings with prospective borrowers to understand their funding requirements and business objectives.
- Represent the organisation at networking events and industry functions to promote lending products and services.
- Analyse financial statements, management accounts, cash flow forecasts, and business plans.
- Assess the commercial viability, creditworthiness, and risk profile of prospective borrowers.
- Conduct detailed financial modelling and sensitivity analysis.
- Support the completion of legal, financial, and commercial due diligence activities.
- Identify key risks and mitigating factors associated with lending proposals.
- Prepare high-quality investment papers and credit recommendations for internal approval committees.
- Present findings and recommendations to senior stakeholders where required.
- Support the structuring and negotiation of lending facilities, including loan terms, covenants, and security arrangements.
- Coordinate with legal advisers and other external parties to facilitate successful deal completion.
- Monitor the performance of existing lending investments.
- Review borrower financial information and covenant compliance.
- Identify emerging risks and recommend appropriate actions.
- Maintain accurate portfolio records and management information.
- Support portfolio reviews and reporting requirements.
- Work closely with internal teams including credit, risk, legal, and operations.
- Build strong relationships with external partners and professional advisers.
- Contribute to continuous improvement initiatives and process enhancements.
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Essential Skills and Experience
- Experience within commercial lending, corporate banking, business banking, private debt, asset finance, development finance, or a related investment environment.
- Strong financial analysis and financial modelling skills.
- Ability to interpret financial statements and assess business performance.
- Experience preparing credit papers, investment memoranda, or lending recommendations.
- Strong understanding of credit risk assessment and lending principles.
- Excellent written and verbal communication skills.
- Strong relationship management and stakeholder engagement abilities.
- Ability to manage multiple priorities and work independently.
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Desirable
- Experience within SME lending, mid-market lending, or alternative finance.
- Knowledge of secured lending structures and security documentation.
- Professional qualifications such as ACA, ACCA, CIMA, CFA, or equivalent.
- Experience working with government-backed lending schemes or development finance organisations.
Personal Attributes
- Commercially aware with strong business acumen.
- Analytical and detail-oriented.
- Proactive and solutions-focused.
- Strong interpersonal and relationship-building skills.
- Collaborative team player with a flexible approach.
- High levels of integrity and professionalism.
Benefits
- Hybrid and flexible working arrangements.
- Competitive salary and performance-related bonus.
- Generous pension contribution.
- Private healthcare.
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