Head of Portfolio Management - 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 weddings 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

• Team Leader responsible for managing and leading a team of Client Directors, Managers and Associates covering a National client base of UK SMEs and Corporates
• Managing performance, strategy and motivating the Commercial Loans Portfolio team
• Providing support and guidance on complex in-life client management
• Develop and maintain strong relationship with Clients at board level, maximising client life and retention
• Understand risk drivers, monitor triggers and ensure risk is managed within credit policy and operational mandates
• Work with the team to identify opportunities to provide further facilities to existing customers utilising a 'can do' and problem-solving mindset to support client aspirations.
• Responsible for overseeing and supporting Client Directors / Managers with the end-to-end credit process, including negotiating with clients, the production of high-quality credit papers and presentations to Credit Committee and completion through to legals.
• Review underperforming Clients within the portfolio and recommend action to the Risk/Credit Committee.
• Comply with all client reporting metrics - producing reviews/reports as appropriate to internal risk or Risk/Credit committees.
• Consider market, macroeconomic and regulatory impacts on the portfolio and take necessary actions where appropriate, including updating relevant Risk Committees on early warning signs.
• Undertake periodic portfolio reviews focusing on key trend and any lessons learned
• Play a vital role in rolling out new strategic initiatives for Structured Finance, including compliance, regulatory and risk management oversight, and attend relevant industry events
• Lead reviews of operational activities and practices across the team and be a lead supporter of embedding new technology and processes.

Qualifications

• Degree-level qualification
• Proven experience with 7 years plus experience in banking, with a particular focus on UK SME cashflow lending, preferably with Portfolio Management experience
• Comprehensive understanding Commercial Loan product range and procedures
• Significant experience in structuring & executing transactions and risk management
• A proven team leader with strong skills in managing, developing and motivating teams
• Computer literate (good knowledge of MS Office suite - Excel, Word, Power-Point)
• Strong analytical & financial analysis skills
• Excellent verbal, written and presentation skills.
• Enthusiastic "can do" attitude

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