Portfolio Manager

Cambridge & Counties Bank; East Midlands; Hybrid; GBP 50,000 - 60,000; Full time

Benefits offered by this job

Hybrid working policy

Private Medical Insurance including UK

Life Cover 4x salary

Income Protection

Employer pension contributions 10%

Bonus Scheme

Cycle to Work scheme

Job summary

Cambridge & Counties Bank is seeking a Credit Risk Controller to join the Regional Director in managing a portfolio of clients and ensuring credit submissions and loan reviews adhere to Lending Policies. The role focuses on controlling risk and supporting the Relationship team in a hybrid working environment in the South of England.

The ideal candidate has a background in customer-facing roles, with proven credit analysis and decision-making abilities, strong financial acumen, negotiation

Qualifications

• Experience in a customer facing, business development type role, managing your own time and a varied portfolio of customers.
• A proven record of credit analysis and decision making.
• A high level of financial and commercial awareness with excellent analytical and problem-solving skills.
• Negotiation skills and the ability to manage multiple tasks simultaneously.
• Excellent organisation and communication skills.
• An understanding of the relevant rules under the financial services acts.
• An understanding of Conduct Risk and Consumer Duty requirements.
• Maintain a high level of market awareness.
• Experience in Corporate Lending desirable.

Responsibilities

• Control and sanction credit submissions in line with Lending Policies and Procedures.
• Manage annual Loan Reviews and arrears concerns to keep risk within acceptable levels.
• Support the Relationship team and contribute to team motivation and development.

Skills

Credit analysis

Customer facing

Negotiation

Organisational skills

Regulatory knowledge

Conduct risk

Market awareness

Corporate lending

Tools

None

Job description

Location: South of England Salary: £50,000-£60,000pa

Working alongside the Regional Director (RD) you would provide an effective first line of defence in the Credit Risk Control processes, through the management of an existing portfolio of clients.

You would be responsible for the control and sanction, in line with the Bank’s Lending Policies and Procedures, of Credit submissions, annual Loan Reviews and management of any arrears concerns.

This would ensure the Bank’s exposure to Credit Risk remains acceptable, and there is no detrimental effect on the Bank’s secured position.

You would become a productive member of the Relationship team, assisting with the team’s motivation and general development.

This is a great opportunity for somebody to join a progressive and growing firm and if you have the necessary skills, we would like to hear from you.

About you

For this role you will need the following skills and experience:

• Experience in a customer facing, business development type role, managing your own time and a varied portfolio of customers.
• A proven record of credit analysis and decision making.
• A high level of financial and commercial awareness with excellent analytical and problem-solving skills.
• Negotiation skills and the ability to manage multiple tasks simultaneously.
• Excellent organisation and communication skills.
• An understanding of the relevant rules under the financial services acts.
• An understanding of Conduct Risk and Consumer Duty requirements.
• Maintain a high level of market awareness.
• Experience in Corporate Lending desirable.

What we offer

• 10% employer pension contributions
• Bonus Scheme
• Hybrid working policy as standard and other flexible working options welcomed
• Private Medical Insurance including optical and dental cover from day one
• Life Cover at 4x salary from day one
• Income Protection cover
• Salary Sacrifice Cycle to Work Scheme
• Salary Sacrifice Electric Car Scheme
• Interest‑free personal loans for various purposes
• Perkbox membership (discounts on shopping, restaurants, cinema, and lots more)
• Enhanced Maternity and Paternity Pay policies Various learning and development opportunities available
• Free tea, coffee and milk
• Christmas and summer parties
• A Colleague Forum, a Green Environmental Action Team, Charities Committee and numerous opportunities to give back to the community, and more …

Diversity and Inclusion

Our aim is for our workforce to be truly representative of all sections of society and our customers, and for each employee to feel respected and able to give their best. We are committed to equal treatment of all colleagues and potential colleagues, including those with criminal records.

If you are successful in your application for employment, we will carry out pre-employment screening including use of the Disclosure and Barring Service (DBS).