Business Loan Relationship Manager

Job Description

Business Loan Relationship ManagerWe have an exciting opportunity for an experienced Business Development or Relationship Manager from a Business or Commercial Banking or SME lending background to join an established team in the deployment of £42m of debt facilities. You will be responsiblefor origination, appraisal, and execution of loans to growing and innovative SMEs, in the range £100k - £1.5m. You will also take responsibility for an existing customer portfolio within the D2N2 (Derbyshire & Nottinghamshire) and Greater Lincolnshire LocalEnterprise Partnership areas.The debt fund has been established to provide "market gap" funding by supporting businesses that have achieved commercial traction, but which are unable to access finance from traditional lenders either due to a lack of security or a lack of track record.The fund is also RLS accredited and can offer funding under this scheme.About The Business:Their primary goal is to provide tailored funding solutions and support for ambitious and innovative small and medium enterprises (SMEs), to help them achieve their maximum potential. With nearing £200m of debt and equity funds under management, the Groupis continuing to grow and prides itself on taking a holistic approach to the funding needs of their clients.You will be expected to:

• Build a pipeline of suitable lending opportunities, developing relationships with introducers, and marketing the product to appropriate audiences
• Carry out evaluation and due diligence on suitable proposals
• Present proposals to a loan scheme committee
• Manage completion matters post approval including preparation of facility documentation
• Work alongside company solicitors to ensure all security requirements are met
• Manage client portfolio, monitoring performance and identifying early potential default situations
• Be a part of reporting to fund stakeholders on performance of the fund

Desired Skills & Experience:

• The ideal candidate will have significant prior experience in lending to corporates or SMEs and client relationship management
• Strong relationship management skills and a track record in new business development
• Demonstrable ability to assess and structure loan propositions where primary repayment source is future cashflow generation based on planned expansion
• Ability to multi-task and prioritise deadlines to meet customer expectations
• Good presentation skills and ability to communicate and interact at all levels of management
• A high level of IT proficiency, particularly on Microsoft Office 365 products including Teams, Word, Excel (preferably to include forecast modelling skills) and Powerpoint
• A diligent working style and some form of experience using CRM systems to manage and track proposal activities

Whats on offer:

• The chance to work for a business that truly helps UK SMEs thrive
• A competitive base salary commensurate with your experience
• 25 days annual leave plus usual Bank holidays in England & Wales. You also get your birthday off and one day for CSR.
• 5% contribution to employer pension scheme, subject to minimum 3% contribution from employee
• Ability to join the private medical scheme (50% employer contribution to premium)
• Death in Service benefit equivalent to 4x salary
• Discretionary annual bonus

Keyskills :
Credit RiskLoan OriginationPortfolio ManagementCommercial Bankingcash flow lending