Associate Client Manager

Job Description

The OpportunityShawbrook 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 withmultiple 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 makethings 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 personWork 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

The Role & ResponsibilitiesTo support the team of Client Managers Client Directors with all aspects of the in-life management of the client portfolio. You will be required to work collaboratively as part of a team, to ensure all client relationships are managed in accordance withthe principles of the business model, corporate procedures and best practice, ensuring accuracy and integrity of data and records, as well as detecting errors and fraud.You will be required to liaise directly with clients to deliver excellent customer service and added value; key internal stakeholders (including Credit and New Business Origination teams) and external professionals. Analysis of financial information andthe ongoing management of credit stewardship are key parts of this role.

• Help to develop and maintain strong, multi-layered relationships with Clients at operational and board level, maximizing client life and retention
• Act as a key point of contact for clients and other internal departments to support customer service and risk management activities
• Analyse complex financial information, including statutory accounts; management accounts (incorporating cash flow analysis), budgets and forecasts (including sensitivity analysis) and Financial Due Diligence reports. Present insight and recommendationsto Client Managers and as required to Credit
• Undertake covenant calculations and look forward modelling and use these, combined with overall financial analysis, to identify both concerning trends and opportunities
• Undertake credit grading analysis and complete pricing models to help ensure the correct balance of risk and reward is maintained across the portfolio
• Manage and monitor internal monthly reports and information requirements along with system and database updates.
• Accompany Client Managers on visits as required, drafting agendas and visit reports in the defined format. Take ownership of preparation and submission of annual credit reviews where appropriate and assist with the preparation of more complex reviews andincrease requests as required
• Liaise with external legal counsel regarding the preparation and negotiation of facility documentation ensuring this meets the requirements of the bank
• Take the lead in undertaking all ongoing due diligence, including KYC/AML; Equifax Alerts; and Portfolio Review Process. Identify & report any compliance breaches, errors, and potential frauds
• Seek out and recommend process improvements across Corporate Lending
• Lead on, or contribute to, ongoing improvement projects across Corporate Lending
• Support Client Managers to ensure a comprehensive and successful client take on and onboarding process

The Person

• Foundation level Banking or Accountancy qualification preferred
• Proven track record of at least 2/3 years in Corporate / Commercial lending or similar environment
• Comprehensive understanding of commercial lending products and market
• Demonstrable track record in analysing financial data and constructing clear and concise reports
• Excellent interpersonal skills (experience in a client facing role is preferred)
• Computer literate (proficient knowledge of Excel and good knowledge of other MS Office suite applications)
• Strong financial analysis skills and ability to extend this analysis to wider business risks and opportunities
• Good knowledge of commercial loan product types, procedures and markets
• Able to handle high volumes of work without compromising on accuracy, quality and client focus.
• Strongly ‘risk orientated’ approach

Apply now