DSL Business Finance is Scotland’s leading not-for-profit lender, providing vital loan finance to SMEs. Over the past five years, we have delivered over £19 million in loans to 637 businesses, creating and sustaining 3,793 jobs across Scotland.

We provide and manage a range of loan funds, including microfinance loans of up to £25,000 and smaller loans between £25,000 and £100,000 to support start-up, early-stage, and growing businesses across Scotland, offering financial support at key stages of their development. Delivering these loans successfully requires a good understanding of loan products, risk management, and the needs of businesses at different stages of growth.

Our objectives are to create opportunities for enterprise, grow existing businesses, create job, and contribute to the long-term sustainability of local communities across Scotland.

As a responsible lender authorised and regulated by the Financial Conduct Authority (FCA), DSL is committed to upholding the highest standards of conduct, transparency, and integrity in financial services. All roles will involve operating in line with FCA regulatory requirements, including but not limited to Treating Customers Fairly (TCF), data protection, anti-money laundering (AML), know your customer (KYC), and financial crime prevention.

The Loan Officer is responsible for engaging with loan applicants of the Investment Fund for Scotland (IFS) to submit proposals for loans to underwriting, ensuring these align with our lending criteria. The post holder will also work to develop partnerships with local business support agencies, generate their own new leads, and ensure DSL services are promoted in the market, growing brand awareness.

Duties are determined by the Senior Loan Officer. There will be an annual appraisal with interim reviews of objectives as well as ongoing informal meetings as required in line with normal business practice.  Priorities are set in line with business needs.

Internal

External

Essential

• Personally organised, diligent with an eye for and attention to detail.
• Excellent communicator both verbal and written.
• Ability to work independently and as part of a team.
• Ability to take initiative as circumstances require.
• Desire to learn and gain new skills.
• Business Plan assessment skills
• Minimum 2 years lending experience to SMEs

Desirable

• Financial qualification/experience
• 3 year’s general business experience
• Car owner/clean licence
• Experience of working as part of team in a fast-paced environment