Role Description
Supporting a portfolio of centrally managed customers, ensuring they are well served with strong customer satisfaction, ensuring good credit risk management of your portfolio and growing the portfolio via your own business development activities and working with Allica’s marketing team and their lead generation capabilities.
Principal Accountabilities
* Successfully relationship managing a centralised portfolio of local SMEs, providing secured SME lending including commercial mortgages and asset finance, alongside current accounts and savings, widening over time in line with our offering.
* Through ongoing proactive client engagement and forward‑looking conversations to unlock opportunities to support businesses with their plans and ambitions.
* Credit risk monitoring for your portfolio including spotting early warning signs and fulfilling additional credit requests.
* Originating SME lending opportunities from initial enquiry through to completion, including writing credit papers in line with Allica’s credit policy and appetite.
* Delivering the business plan for your portfolio, and actively managing your objectives and personal development plans. Capable of horizon risk scanning, interpreting local markets and delivering action plans.
* You’ll be able to evidence an ability to work expertly with customers, colleagues and advisors to structure new lending proposals and write credit applications.
* Making your colleagues proud that you represent Allica, by ensuring excellent service for SME customers, prospects and advisors. You are a trusted partner for customers, building deep, multi‑layered relationships.
* Working closely and collaboratively with all areas of Allica to ensure a seamless and professional service is always provided.
Personal Attributes & Experience
* A deep passion for serving SMEs.
* Self‑starter organised and committed to succeeding in a flexible environment.
* Highly capable relationship manager, with a track record of building high‑value, trust based and long‑lasting referral relationships, and the ability to develop good levels of new business on the back of these.
* Good credit skills, including the ability to analyse and review financial accounts and associated information.
* You will need to have a strong understanding of SME banking, which must include a strong background in commercial mortgages.
* You will be able to demonstrate a history of exemplary level of service, and of maximising the value with prospects and customers.
* You will have excellent interpersonal and communication skills together with evidence of strong career progression and/or outperformance.
* You’ll be able to evidence an ability to work expertly with customers, colleagues and advisors to structure new lending proposals and write credit applications.
* You’ll have a proven track record in providing excellent customer service, and in generating new income opportunities whilst effectively managing credit risk.
Working at Allica Bank – Benefits
* Full onboarding support and continued development opportunities
* Options for flexible working
* Regular social activities
* Pension contributions
* Discretionary bonus scheme
* Private health cover
* Life assurance
* Family friendly policies including enhanced Maternity & Paternity leave
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