Client Manager, Commercial Loans

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Company Description

Shawbrook is a specialist bank driven by a purpose to power up ingenuity to create opportunity, every single day.

We offer a diverse range of savings and loan products. From personal and business savings accounts and loans for wedding and new cars, to complex financial credit facilities for businesses requiring significant investment and mortgages for landlords with multiple properties - no two customers are ever the same.

We give our customers the best-of-both worlds; uniquely combining strong digital capabilities with human expertise and ingenuity to deliver the best outcomes. We rise to the challenge of a complex case or unconventional circumstances, and we love to make things happen. By being creative, practical, and personal, we know we can always find the right solution for our customers.

If you're willing to roll up your sleeves, contribute new ideas and believe anything is possible, you're our kind of person

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative, and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Job Description

• Develop & maintain strong relationship with Clients at board level, maximizing client life and retention
• Keep bad debts and losses to a minimum
• Understand risk drivers, monitor triggers and ensure risk is managed within credit policy and operational mandates.
• Visit clients according to required frequency, prepare visit reports annual reviews and propose remedial actions if necessary.
• Review underperforming Clients within the portfolio and recommend action to the Risk/Credit Committee.
• Analysis of client statutory accounts, management accounts, forecasts & budgets to present to Risk and Credit Committee. Present outcome to client in robust & positive way
• Ensure Client submissions, data and practices adhere to Client's Agreements.
• Comply with all client reporting metrics - producing reviews/reports as appropriate to internal risk or Risk/Credit committees.
• Offer appropriate support to clients on day-to-day basis and resolve queries as quickly as possible.
• Recognise & report compliance breaches, errors and potential frauds

Qualifications

• Degree-level qualification
• ABFA qualification would be an advantage
• Proven track record in Commercial Loan financing or similar environment
• Comprehensive understanding Commercial Loan product range and procedures
• Experience in relevant Financial Services environment
• Computer literate (good knowledge of MS Office suite - Excel, Word, Power-Point)
• Strong analytical & financial analysis skills
• Comprehensive knowledge of commercial loan products, procedures and markets
• Able to handle high volumes of work without compromising on accuracy, quality and client focus
• Strongly 'risk orientated' approach
• Adaptable & Flexible
• Organised, with strong client-facing focus
• Excellent verbal, written and presentation skills.
• Ability to work as part of a team and establish effective working relationships at all levels
• Excellent planning and organisational skills
• Enthusiastic "can do" attitude
• Able to work under pressure and to tight deadlines
• Accuracy & attention to detail
• Professional, well-presented, client-focused approach

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It's important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you're enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We're focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done