Relationship Manager, Growth Finance - Midlands

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Requirements:

• A belief that there is an opportunity to build a significantly improved working capital lending solution to the target mid-market and a desire to innovate through a hands-on approach, working as part of a small team.
• You will have excellent interpersonal and communication skills and the ability to build and maintain strong working relationships.
• An understanding of working capital financing in the SME sector. Knowledge of facility structuring and documentation.
• You understand the operational aspects of business finance, including receivables and Asset Based Lending.
• Experience of assessing and monitoring a broad range of collateral classes including receivables, inventory, real estate and other fixed assets. Knowledge of the risks, mitigants and controls that apply to each and escalation steps which can be taken to increase control over these assets in the event of deterioration of client risk.
• Able to interpret detailed financial information including balance sheet and cash forecasting, assess funding requirements and model the impact of sensitivities to such forecasts.

Responsibilities:

• The main point of contact with, and responsibility for, a portfolio of clients.
• Supporting clients whilst also being responsible for risk management in respect of those clients.
• Working collaboratively with the business development team to ensure that new clients are onboarded and transitioned to the RM portfolio in a seamless manner.
• Responsible for ensuring that all required client information is received in a timely manner, and compliantly saved, recorded and reviewed.
• Contribute to the production of monthly portfolio reports which provide an accurate and comprehensive summary of client financial performance, covenant compliance and collateral overview.
• Responsible for ensuring that any new or increased GF client risks are escalated where appropriate and without delay. Such escalation will detail the issue, cause(s) and recommended course of action.
• Engagement with other relevant functional areas of the bank, particularly Risk and Operations to ensure effective collaboration and awareness of changes in policies/processes.
• Working closely and collaboratively with all areas of Allica to ensure a seamless and professional service is always provided, and to provide ongoing direction as to where Allica’s product and software development should focus to provide greatest benefit to customers and efficiency over time.
• Be an advocate for the product with colleagues throughout the bank.
• Complying with all mandatory policies and develop and adhere to operational procedures to maintain a strong internal control environment.