Relationship Director - Trading Businesses and Real Estate Finance

Cynergy Bank Limited; London; Hybrid; GBP 45,000 - 75,000; Full time

Job summary

An established industry player is seeking a dynamic professional to join their Relationship Management Team. This exciting role involves supporting unregulated customers across various sectors, such as commercial trading and real estate finance. You'll drive team performance, manage customer relationships, and ensure compliance with banking standards. The ideal candidate will possess strong credit and financial analysis skills, alongside a passion for delivering exceptional customer service. Join this innovative firm and contribute to its mission of transforming banking through a human-digital model.

Benefits

Competitive Salary and Company Bonus

Competitive holiday allowance

Option to purchase additional holiday

Pension contribution

Life Assurance

Income Protection Scheme

Medical Cover (After Probation)

Electric Car Scheme

Money Coach (After Probation)

Qualifications

• Demonstrate high quality asset class knowledge in Trading Businesses and Real Estate Finance.
• Strong credit, financial analysis and modelling skills, including the ability to write structured papers.

Responsibilities

• Develop and lead implementation of the business banking strategy.
• Proactively manage and develop a portfolio of business customers.
• Ensure adherence to the bank’s disaster recovery/business continuity procedures.

Skills

Asset Class Knowledge

Credit Analysis

Financial Modelling

Risk Management

Problem Solving

Education

University Degree

Banking Exams

Job description

Application Deadline: Thursday 22nd May 2025

Hybrid Working Pattern - 3 days in Office & 2 WFH

About us

Cynergy Bank is the UK’s human digital bank serving the needs of ‘scale up’ or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals, in essence those market segments that still value human service enabled by great technology.

We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their interdependent banking needs. We provide a comprehensive range of digitally enabled products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers.

Our human and digital model transforms banking for customers who still value a face-to-face relationship that is enabled by the latest digital technology.

We partner with firms such as Google Cloud, Cigniti and Slalom as we continue to innovate in the human digital space.

Cynergy Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits with Cynergy Bank plc are protected by the UK Financial Services Compensation Scheme.

For more information on Cynergy Bank visit www.cynergybank.co.uk

Company Benefits

• Competitive Salary and Company Bonus
• Competitive holiday allowance plus bank holidays
• Option to purchase an additional 10 days holiday
• Pension contribution and Life Assurance
• Income Protection Scheme and Season Ticket Loan
• Medical Cover (After Probation)
• Electric Car Scheme and Money Coach (After Probation)

The Role:

You will be part of a Relationship Management Team that supports the Bank’s existing unregulated customers, from Commercial Trading, hospitality, hotels and healthcare to Real Estate Finance.

The team aims to deliver long term sustainable value for the Bank and you will support the full life cycle of the customer relationship – from growth aspirations through the sale of products the Bank’s has available, through to proactively managing expiring loans; customer satisfaction is key with a strong focus on retaining our existing customers. There will also be the opportunity to win and write new business for new clients across our sectors typically in the range of £2m – £10m as your portfolio is built up to c35-40 clients.

This is all underpinned by a strong understanding of risk management and proactively ensuring all borrowing adheres to its terms and conditions and aligned to the Bank’s credit and wider requirements.

Responsibilities:

• Develop and lead implementation of the business banking strategy; include achievement of growth, income targets and adherence to the Bank’s standards in respect of operational and regulatory risk

• Drive team performance by coaching, mentoring and motivating team members

• Ensure adherence to the bank’s disaster recovery/business continuity procedures; to include liaising with Systems to review and update plans for your area and ensuring staff are fully informed of these plans and their specific responsibilities

• Proactively manage and develop a portfolio of business customers (typically sub £2m lending). Monitor portfolio and take action as necessary to minimise risk and ensure quality account management.

• Monitor relevant Management Information and ensure appropriate action is reported

• Identify opportunities and proactively promote / sell products to existing customers

• Build and maintain effective relationships with key business partners to maximise potential growth of business with referrals to the Originations team as required
• Maximise new lending opportunities to existing customers
• Independently assess, critically evaluate, prepare and submit applications for loan facilities, ensuring appropriate commentary and analysis to aid decision making to high standards expected.
• Proactively manage expiring loans and unscheduled redemptions seeking to retain debt which is within the Bank’s risk appetite
• Monitor market developments and competitor activity. Recommend and implement appropriate action to ensure the Bank competes effectively
• Provide input to Bank policy including lending guidelines, product development and overall risk management
• Proactively identify and prevent duplication to improve procedural efficiency
• Ensure that portfolio is fully compliant with the Bank’s AML policies and procedures
• Ensure that KYC procedures including the requirements for periodic reviews in accordance with the AML framework on all customer connections are maintained and recorded
• Ensure procedure manuals are regularly reviewed and updated to support the adherence to agreed policy and procedures
• Maintain delivery of a high quality service to customers.

Essential Skills, Experience and Qualifications:

Technical skills

• Demonstrate high quality asset class knowledge in Trading Businesses and Real Estate Finance
• Needs to demonstrate end to end knowledge across the customer journey covering deal structuring, execution and ongoing risk management
• Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured papers.
• Experience in the analysis of senior and cashflow transactions.
• Understand and adhere to the Bank’s policies and procedures with particular reference to:
  • Consumer Duty (incorporating consideration of Vulnerable Customers)
  • Fair Treatment of Customers
  • Information Security and Data Protection Act 2018 (GDPR)
  • Risk management and reporting of risk management incidents
  • Regulatory compliance and prevention of financial crime
  • Disaster recovery and business continuity
  • Conduct Rules and Professional Standards

Relevant and/or preferred qualifications (please specify required or preferred)

• University Degree (Preferred)
• Banking Exams (Preferred)
• Evidence of Continuous Professional Development (Preferred)

Behavioural Skills:

• Strong problem-solving ability.
• Ability to effectively coach and mentor colleagues providing future succession for the Bank.
• Motivate, inspire and create and effective team to achieve set common and individual goals.
• Support Bank wide Forums as required or identified.
• Cooperate with and help colleagues across our business, performing other reasonable tasks as may be required from time to time.
• Demonstrate alignment and actively promote the Bank’s values.

Risk and/or governance responsibilities:

• Work collaboratively alongside 2LOD to ensure transactions are structured appropriately reflecting the Bank’s risk appetite.
• Demonstrate a high level of preparedness for Executive Credit Committee presentations, providing a significant degree of comfort to voting members.
• Demonstrate a high level of understanding of the Bank’s KYC and AML procedures.
• Ensure procedure manuals are regularly reviewed and updated to support the adherence to agreed policy and procedures.
• Ensure that all material audit, risk or compliance issues and audit action points are concluded promptly and within agreed deadlines.

Additional responsibilities for all employees:

• Actively promote and practise the Bank’s Guiding Principles
• Understand and adhere to the Bank’s policies and procedures with particular reference to:
  • Conduct Rules and Professional Standards Policy
  • Information Security and Data Protection Act
  • Treating our customers fairly
  • Risk management and reporting of risk management incidents
  • Regulatory compliance and prevention of financial crime
  • Disaster recovery and business continuity
• Proactively contribute to the Performance Planning and Review process
• Support Bank wide Forums as required or identified
• Cooperate with and help colleagues across our business, performing other reasonable tasks as may be required from time to time