Junior Portfolio Manager

Recognise Bank; Milton Keynes; On-site; GBP 35,000 - 45,000; Full time

Benefits offered by this job

Generous annual leave

Work From Anywhere – up to 6 weeks

Learning & Development

Hybrid working – 3 days in office, 2远

Private medical care

Enhanced Pension

Parental leave

Discretionary company bonus

Job summary

Recognise Bank is seeking a Junior Portfolio Manager in the UK to support the management, servicing, and monitoring of the loan portfolio. You will work with the Portfolio Management team to deliver excellent customer outcomes while ensuring compliance with internal policies and regulations.

You will be responsible for day-to-day loan book management, arrears handling, annual reviews, maturities, extensions, and covenant testing, with collaboration across Credit, Operations and Risk to meet SLAs

Qualifications

• Managing loan portfolios and customer relationships.
• Handling arrears and collections activity.
• Experience within bridging finance or similar lending products.
• Managing loan lifecycle events such as maturities, extensions and redemption.
• Experience using loan management systems (e.g. nCino).
• Microsoft Excel and reporting skills.
• Financial analysis and interpretation.
• Understanding of lending regulations and compliance requirements.
• Payments and collections understanding.

Responsibilities

• Manage and maintain an assigned portfolio of loan accounts with accurate servicing.
• Monitor customer accounts to ensure loan terms are met.
• Perform covenant testing and flag risks.
• Conduct annual loan reviews with customer information.
• Manage maturities, extensions, renewals, and redemptions.
• Support loan restructures and changes to facilities.
• Monitor arrears and support positive outcomes with customers.
• Coordinate payments across systems for accurate allocation.
• Build strong customer relationships through regular contact.
• Collaborate with Credit, New Business, Legal, Operations, and Risk teams.

Skills

Managing loan portfolios and customer

Handling arrears and collections

Experience within bridging finance or

Managing loan lifecycle events

Experience using loan management

Microsoft Excel and reporting skills

Financial analysis and interpretation

Customer relationship

Loan servicing and administration

Understanding of lending regulations

Payments and collections understanding

Education

CeMAP (Certificate in Mortgage Advice and Practice)

LIBF Banking & Finance qualifications

Tools

nCino

Job description

Hello,

We are Recognise Bank; a modern business bank built to support the UK’s SMEs with tailored lending and savings solutions. Founded in 2017 by experienced business owners, we set out to challenge traditional banking by offering more flexibility, understanding, and practical support to help businesses thrive. Since receiving our banking licence in 2021, we’ve built a loyal customer base and a strong, diverse team that puts people first.

Our vision is building stronger futures with bespoke financial solutions. We understand that no two financial needs are the same, which is why we work closely with UK SMEs and individuals to unlock potential others often overlook. Through smart, flexible lending and savings products, we’re here to build and grow stronger futures for lasting success.

Our values shape how we work and grow together:

Can do, will do: We take ownership, solve problems, and adapt as our customers’ needs evolve.

Be brilliant: We show up with curiosity and energy, always striving for better.

Do the right thing: We act with integrity, responsibility, and care in everything we do.

Make a difference: We focus on impact, helping our customers, colleagues, and communities succeed.

About the role

As a Junior Portfolio Manager, you will support the effective management, servicing, and monitoring of the loan portfolio. Working closely with the wider Portfolio Management team, you will help deliver excellent customer outcomes while ensuring portfolio activities are conducted in line with internal policies, procedures, and regulatory requirements.You willbe responsible forthe day-to-day management of an assigned loan book, supporting a range of loan lifecycle activities including arrears management, payment processing, customer engagement, annual reviews, loan maturities, extensions, covenant testing, and compliance reporting. The role requires interaction with customers and internal stakeholders to ensuretimelyandaccurateservicing of facilities.

Key Responsibilities

• Manage and maintain an assigned portfolio of loan accounts, ensuring all servicing activities are completed accurately and within agreed timeframes.
• Monitor customer accounts to ensure they continue to meet the terms and conditions of their loans.
• Complete covenant testing and identify any issues or potential risks, escalating them where necessary.
• Carry out annual loan reviews, gathering and assessing customer information and documentation.
• Manage loan maturities, including processing loan extensions, renewals, and redemptions.
• Support loan restructures and other changes to customer facilities, ensuring all actions are completed accurately and on time.
• Monitor overdue accounts and support arrears management activities, working with customers to achieve positive outcomes.
• Monitor payments across different system to support any allocation
• Build strong relationships with customers through regular contact and excellent customer service.
• Work closely with teams across Credit, New Business, Legal, Operations, and Risk to support the effective management of the portfolio.
• Ensure all activities are completed in line with company policies, procedures, and regulatory requirements.
• Support Senior Operation Manager in driving performance against SLAs and KPIs.

Required Skills & Experience

• Managing loan portfolios and customer relationships
• Handling arrears and collections activity
• Experience within bridging finance or similar lending products
• Managing loan lifecycle events such as maturities, extensions and redemption
• Experience using loan management systems (e.g. nCino)
• Microsoft Excel and reporting skills
• Financial analysis and interpretation
• Customer relationship
• Loan servicing and administration
• Understanding of lending regulations and compliance requirements
• Payments and collections understanding

Desirable

• CeMAP (Certificate in Mortgage Advice and Practice)
• LIBF Banking & Finance qualifications

£35,000 - £45,000 a year

Why join?

At Recognise Bank, we’re building more than a bank — we’re creating a culture where people feel empowered to make a difference, supported to be brilliant with a can do will do attitude, and trusted to do the right thing.

We believe that when our people thrive, so do our customers. That’s why we invest in an environment that reflects our values and supports your growth, flexibility, and wellbeing.

Competitive Time Off– Generous annual leave plus bank holidays to rest, recharge, and enjoy life outside of work.

Work From Anywhere– Up to 6 weeks per year to work remotely from anywhere in the world.*

Learning & Development – Tailored training and support to grow your skills and achieve your professional goals.

Hybrid Working – To support your work-life balance, we offer a hybrid working model with 3 days in the office and 2 days remote.**

Private Medical Care with Vitality – Comprehensive healthcare coverage to keep you healthy.

Enhanced Pension Scheme – Helping you plan and save for a secure future.

Maternity, Paternity & Adoption Pay – Supporting you and your family during important life moments.

Discretionary Company Bonus – Rewarding your contribution to our shared success.

If you're curious, driven, and ready to be part of something meaningful — where your ideas matter, your growth is supported, and your work makes a real impact — then we’d love to hear from you.

*Subject to company policy.

**This arrangement may vary during the induction period.