Business Loan Relationship Manager

JR United Kingdom; Newcastle upon Tyne; Remote; GBP 40,000 - 60,000; Full time

Job summary

An exciting opportunity for an experienced Business Loan Relationship Manager to join a successful team focused on providing funding to SMEs across Scotland. The role is home-based with flexibility and primarily involves managing loans from £100k to £2m while building solid relationships with introducers. The successful applicant will have substantial SME lending experience and a strong network in Scotland.

Benefits

Competitive salary based on experience

25 days annual leave plus bank holidays

8% employer pension contribution

50% company-funded private medical insurance

Qualifications

• Significant prior experience in lending to SMEs in the UK.
• Ability to assess and structure loan propositions based on future business plans.
• Established network of professional introducers in Scotland.

Responsibilities

• Originate a pipeline of lending opportunities and develop relationships.
• Evaluate proposals and conduct due diligence.
• Manage client portfolios and monitor performance.

Skills

Experience in SME lending

Loan proposition assessment

Client portfolio management

Presentation skills

IT proficiency

Using CRM systems

Job description

Business Loan Relationship Manager, Newcastle-upon-Tyne, Tyne and Wear

Client: The FSE Group

Location: Newcastle-upon-Tyne, Tyne and Wear, United Kingdom

Job Category: Other

EU work permit required: Yes

Job Views: 5

Posted: 04.06.2025

Expiry Date: 19.07.2025

Job Description:

Business Lending Relationship Manager - Scotland

We have an exciting opportunity for an experienced business lending manager (from a Business or Commercial Banking or SME lending background) to join a successful team currently delivering a large debt element of The Investment Fund for Scotland dedicated to the Scotland & Islands Region.

You will be responsible for origination, appraisal, and execution of loans to growing and innovative SMEs, from £100k to £2m. The debt fund was launched in October 2023 to provide funding to scale-up and growing businesses that struggle to secure projection-led growth debt finance.

The fund covers all of Scotland and the islands region. We require the successful applicant to be based in Scotland with an existing strong network of professional introducers. The position is home-based with flexibility of location across Scotland.

Responsibilities:

• Originate a consistent pipeline of suitable lending opportunities, develop relationships with introducers, and market the product (business loans from £100k - £2 million) to appropriate audiences.
• Evaluate and conduct due diligence on proposals in line with the Fund’s Lending Policy and Operational Guidelines.
• Create and present credit proposals to an independent credit committee for approval.
• Manage completion matters post-approval, including documentation and security instructions.
• Proactively manage client portfolios, monitor performance, and identify early potential default situations.
• Contribute to periodic fund reporting requirements.

Skills & Experience:

Demonstrate:

• Significant prior experience in lending to SMEs in the UK, with primary repayment sources based on future cash flow from planned expansion.
• Ability to assess and structure loan propositions based on future business plans and financial forecasts.
• A collaborative approach working with a remote team.
• Ability to multi-task and prioritize deadlines to meet customer expectations.
• An established network of professional introducers in Scotland.
• Good presentation skills and ability to communicate effectively at all management levels.
• A high level of IT proficiency, especially with Microsoft Office 365.
• Experience using CRM systems to manage and track proposal activities.

What We Offer:

• A competitive salary based on experience.
• 25 days annual leave plus bank holidays, plus your birthday off and 1 CSR day.
• 8% employer pension contribution.
• 50% company-funded private medical insurance.

The role is primarily home-based; own transport is needed for travel to clients and introducers, with some face-to-face meetings. Good quality internet is essential.

About The FSE Group:

Our goal is to provide tailored funding solutions to ambitious SMEs, helping them reach their potential. We manage over £325m in debt and equity funds. For more info, visit www.thefsegroup.com.

We value diversity and are committed to inclusivity. We are an equal opportunity employer and welcome applicants from all backgrounds.

Job Types: Full-time, with requests for part-time (minimum 4 days/week) considered.

Applicants must have unrestricted UK work access.