Commercial Finance Relationship Manager (SME Clients)

ZipRecruiter; Birmingham (AL); Remote; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a Relationship Manager/Director for SME clients to lead new lending transactions. In this dynamic role, you will generate and execute lending deals, maintain a strong presence in the SME debt market, and collaborate with stakeholders to enhance business opportunities. The ideal candidate will have a proven track record in SME Cashflow Lending, strong financial modelling skills, and the ability to foster relationships within the commercial lending landscape. This position offers a unique opportunity to make a significant impact in a growing market while working alongside a dedicated team of professionals.

Qualifications

• Demonstrable track record in SME Cashflow Lending and Leveraged Finance.
• Experience in loan documentation negotiation and execution.

Responsibilities

• Generate and execute new lending transactions for SME clients.
• Maintain high standards of credit underwriting and documentation.

Skills

Lending Transactions Origination

Loan Documentation Negotiation

Financial Modelling

Market Analysis

Microsoft Excel

Education

Degree in Finance or Related Field

Professional Qualification in Accountancy or Banking

Job description

Job Description

Relationship Manager/Director (SME Clients)

The Role

The role will be varied depending on your level of experience:

1. Generate and execute new lending transactions working towards both individual and team targets.
2. Represent the business and maintain a consistent visible presence in the SME debt market, attending and hosting events for key stakeholders and growing the SME Debt Finance introducer network.
3. Maintain high standards of credit underwriting and legal completion documentation, working in a collegiate manner with key internal and external stakeholders.
4. Support and develop team members in origination activities, transaction structure negotiation, and career development.
5. Prepare financial spreads and risk rating scorecards.
6. Conduct company, industry, and market analysis to further assess obligor and guarantor credit quality.
7. Work closely with the credit function to ensure appropriate credit opportunities are sourced and delivered in line with framework and underwriting process requirements.
8. Support and develop Associate Directors in origination activities, transaction structure negotiation, and career development.
9. Collaborate with Portfolio Managers to monitor covenant testing and borrower performance for the portfolio as required.
10. Work independently and as part of the team as needed.

Knowledge & Experience

It is anticipated that you will have the following:

• A demonstrable track record of originating and leading new lending transactions in the UK SME Cashflow Lending and Leveraged Finance markets. Transactions can be both sponsor and non-sponsor backed, with cheque sizes between £1m-£20m.
• Experience in loan documentation negotiation and execution (familiarity with LMA standards).
• Experience in developing new business opportunities in the SME borrowing market with a pre-existing network of advisors, brokers, or acquirers from whom to generate and underwrite new deals.
• Current knowledge of the commercial lending market, including pricing, competitors, and products.
• Strong financial modelling and Microsoft Excel skills.
• Educated to degree level, ideally supported by a professional qualification in accountancy, banking, or risk management.
• Ability to work remotely and reside in or within commuting distance of the Midlands.

Due to the high volume of applications, if you do not hear from us within one week, please assume your application has been unsuccessful.

Please note that our client is an equal opportunities employer and adheres to all relevant legislation, offering services regardless of race, religion, gender, or belief.