Senior Associate, Risk Distribution

This job is brought to you by Jobs/Redefined, the UK's leading over-50s age inclusive jobs board.

Company Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our 'best of both' approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. 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

The role will look to mitigate risk, optimise and enhance existing assets, recycle capital, and support new origination through strategic solutions, to deliver value to both Shawbrook and our customers

The role will support the Risk Distribution team, to help manage the risk profile of the book, including:-

• Portfolio Solutions
• Agency
• Syndications
• Sub-Participations with 3rd party lenders
• Credit Insurance
• Asset sales

The role will look to support the forward look Enterprise strategy aimed at continued success in our chosen market, supporting origination activities (syndicated facilities) and helping to ensure originated assets are structured in a manner to maximise both future distribution options and the optimum capital treatment (increasing returns).

The role will have ongoing responsibilities for solutions delivered - e.g. ongoing day to day management any existing of future distribution strategies, providing agency activities for syndicated facilities - this will ensure effective segregation of duties.

The role will include cross divisional collaboration on real estate data and strategy

Opportunity to work in a newly established team

Key Responsibilities

• Support execution of approved distribution strategies - including due diligence exercises including portfolio audits and other readiness requirements, together with supporting negotiations and documentation
• Managing post execution in-life activities - including management of any existing of future distribution strategies and providing Agency activities for syndicated facilities
• Preparing information packs for 3rd party investors / lenders
• Progress requested amendments to legal documentation (e.g. requested amendments, restructures, and facility enhancements)
• Support in the ongoing cross divisional collaboration on real estate data and strategy
• Liaising with 3rd parties as required
• Manage credit, legal and compliance risks through effective controls
• Manage ongoing due diligence, including KYC/AML. Identify & report any compliance breaches, errors, and potential frauds. Report all issues of regulatory concern to Compliance. Communicate and escalate potential issues / risks in a prompt and effective manner
• To deliver excellent customer service and added value
• Develop and maintain excellent working relationships across the wider organisation & 3rd parties
• Ensure accuracy and integrity of data and records as well as detecting errors.
• The role will report to a member of the Risk distribution team

Qualifications

• Quantitative Degree/CFA or similar business qualification or equivalent work experience appropriate to the role
• Previous experience in bank lending or similar, with a particular focus real estate, SME lending and Agency function activities
• Compliance and governance experience would be considered a positive.

Technical/Specialist Knowledge & Skills

• Strong analytical skills, including advanced knowledge of Excel, being able to manage and handle complex issues.
• Strong understanding and analysis of Financial Information
• Good knowledge of Real Estate and SME lending structures, including familiarity with legal documentation.
• Industry knowledge in the real estate and SME markets
• Good understanding of lending practices, including structures, risks and covenant requirements.
• Excellent presentation and negotiation skills.
• Thorough comprehension of credit risk management and credit administration
• Compliance with all regulatory requirements
• Good commercial, financial acumen and capability in strategic thinking, executive level reporting and effective business planning

Interpersonal

• Confident, ambitious, and good teamwork skills combined with being able to interact within a fast-paced entrepreneurial environment.
• Excellent interpersonal skills with the ability to quickly build rapport in order to engage employees and gain support of peers.
• Influencing skills and the ability to communicate effectively both orally and in writing with all levels of management, regulators, and committees.
• Ability to build networks and develop strong relationships
• High levels of drive, energy, and personal commitment to success.
• Ability to package and present ideas in a persuasive manner.
• Ability to prioritise and manage multiple projects.
• Demonstrates sound business judgement.
• Results orientated, holds self-accountable.

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