Client Director Asset Based Lending

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 youre willing to roll up your sleeves, contribute new ideas and believe anything is possible, youre 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 & Responsibilities

• Managing the risk and relationship of a portfolio of Asset Based Lending clients. Building and maintaining strong relationship with Clients and their owners 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 our Asset Based Lending credit policies and operational mandates
• Visit clients according to required frequency, prepare visit reports annual reviews, and propose remedial actions if necessary
• Review all Clients within the periodic portfolio review meeting process 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 Clients 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
• Seek to define best practice processes and activities. Lead or support change initiatives, improvement projects or infrastructure updates. Identify areas for improvement, proposing and providing solutions to assist with improving the performance of thebusiness

The Person

• Degree-level qualification
• ABFA qualification an advantage
• Proven track record of at least 2/3 years in an Asset Based Lending environment
• Comprehensive understanding of our Asset Based Lending product range and procedures
• Computer literate (good knowledge of MS Office suite - Excel, Word, Power-Point)
• Strong analytical & financial analysis skills
• Comprehensive knowledge of AR/ABL 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