Central Relationship Manager

Allica Bank; Manchester; Hybrid; GBP 50,000 - 70,000; Full time

Benefits offered by this job

Flexible working

Pension

Private health cover

Life assurance

Discretionary bonus scheme

Maternity & Paternity leave

Job summary

Allica Bank is seeking an experienced Central Relationship Manager to oversee a portfolio of established SMEs, delivering secured SME lending, business current accounts and banking facilities while driving growth and maintaining strong credit risk controls.

You will nurture multi-layered client relationships, work with marketing on lead generation, and collaborate across the bank to provide a seamless service.

Qualifications

• Strong passion for serving SMEs.
• Self-starter attitude in flexible environment.
• Proven track record in building high-value relationships and developing new business.
• Good credit skills including analyzing financial accounts.
• Strong understanding of SME banking including commercial mortgages.
• Record of exemplary customer service and generating income while managing credit risk.

Responsibilities

• Manage a centralized portfolio of local SMEs with secured lending including commercial mortgages and asset finance.
• Engage with clients to unlock opportunities and support business plans.
• Monitor credit risk, identify early warning signals and process credit requests.
• Originating SME lending opportunities from enquiry to completion with credit papers.
• Deliver and manage portfolio against business plan and development goals.
• Collaborate with customers, colleagues and advisors to structure lending proposals and credit applications.
• Provide excellent service to customers, prospects and advisors and build trusted relationships.

Skills

SME banking

Credit risk analysis

Relationship management

Credit policy understanding

Communication skills

Job description

About Allica Bank

Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.

Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.

Department Description

Allica exists for the half a million or so established SMEs with typically 5 to 100 employees. These SMEs are a crucial pillar of the UK’s prosperity - representing more than a quarter of all turnover and jobs - yet are increasingly neglected by traditional high street banks.

Since early 2021 Allica Bank has been building its direct SME relationship proposition too. Our vision is to reimagine Local Relationship Banking for established SMEs, through the very best people and digital tools.

Our Central Relationship Managers (Central RMs) will initially be focussed on assisting SMEs with turnover up to £1m supporting clients business ambitions through the provision of day-to-day banking facilities including business current accounts and savings as well as commercial mortgages and asset finance. Over time, we’re building a wider SME banking product to offer working capital solutions, and you’ll represent Allica across all these products too.

Role Description

Supporting a portfolio of centrally managed customers, ensuring they are well served with strong customer satisfaction, ensuring good credit risk management of your portfolio and growing the portfolio via your own business development activities and working with Allica’s marketing team and their lead generation capabilities.

Principal Accountabilities

• Successfully relationship managing a centralised portfolio of local SMEs, providing secured SME lending including commercial mortgages and asset finance, alongside current accounts and savings, widening over time in line with our offering.

• Through ongoing proactive client engagement and forward-looking conversations to unlock opportunities to support businesses with their plans and ambitions.

• Credit risk monitoring for your portfolio including spotting early warning signs and fulfilling additional credit requests.

• Originating SME lending opportunities from initial enquiry through to completion, including writing credit papers in line with Allica’s credit policy and appetite.

• Delivering the business plan for your portfolio, and actively managing your objectives and personal development plans. Capable of horizon risk scanning, interpreting local markets and delivering action plans.

• You’ll be able to evidence an ability to work expertly with customers, colleagues and advisors to structure new lending proposals and write credit applications.

• Making your colleagues proud that you represent Allica, by ensuring excellent service for SME customers, prospects and advisors. You are a trusted partner for customers, building deep, multi-layered relationships.

• Working closely and collaboratively with all areas of Allica to ensure a seamless and professional service is always provided.

Personal Attributes & Experience

• A deep passion for serving SMEs.

• Self-starter organised and committed to succeeding in a flexible environment.

• Highly capable relationship manager, with a track record of building high-value, trust based and long-lasting referral relationships, and the ability to develop good levels of new business on the back of these.

• Good credit skills, including the ability to analyse and review financial accounts and associated information.

• You will need to have a strong understanding of SME banking, which must include a strong background in commercial mortgages.

• You will be able to demonstrate a history of exemplary level of service, and of maximising the value with prospects and customers.

• You will have excellent interpersonal and communication skills together with evidence of strong career progression and/or outperformance.

• You’ll be able to evidence an ability to work expertly with customers, colleagues and advisors to structure new lending proposals and write credit applications.

• You’ll have a proven track record in providing excellent customer service, and in generating new income opportunities whilst effectively managing credit risk.

Working at Allica Bank

At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.

Our employees are at the heart of everything we do, so our benefits are designed with you in mind:

• Full onboarding support and continued development opportunities

• Options for flexible working

• Regular social activities

• Pension contributions

• Discretionary bonus scheme

• Private health cover

• Life assurance

• Family friendly policies including enhanced Maternity & Paternity leave

Don’t tick every box?

Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!

Flexible working

We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.

Diversity

We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.