We are Recognise Bank; a modern business bank built to support the UK’s SMEs with tailored lending and savings solutions. Founded in 2017 by experienced business owners, we set out to challenge traditional banking by offering more flexibility, understanding, and practical support to help businesses thrive. Since receiving our banking licence in 2021, we’ve built a loyal customer base and a strong, diverse team that puts people first.
Our vision is building stronger futures with bespoke financial solutions. We understand that no two financial needs are the same, which is why we work closely with UK SMEs and individuals to unlock potential others often overlook. Through smart, flexible lending and savings products, we’re here to build and grow stronger futures for lasting success.
Our Values
* 💪 Can do, will do: We take ownership, solve problems, and adapt as our customers’ needs evolve.
* ✨ Be brilliant: We show up with curiosity and energy, always striving for better.
* 🤝 Do the right thing: We act with integrity, responsibility, and care in everything we do.
* 💡 Make a difference: We focus on impact, helping our customers, colleagues, and communities succeed.
About the role
As a Team Lead – Portfolio Management, you will support the day‑to‑day servicing and monitoring of the loan book, including covenant testing, compliance reporting, restructures, extensions, redemptions, arrears, and collections. The role is focused on operational execution, customer outcomes, and maintaining accurate records using internal systems.
Key Responsibilities
* Manage the progression of servicing tasks across the loan lifecycle, including variations, redemptions, and extensions.
* Conduct covenant testing and contribute to compliance reporting to ensure ongoing monitoring of borrower obligations.
* Support the management of accounts in arrears, ensuring early engagement and resolution in line with policy.
* Support restructuring efforts, including extensions and redemptions.
* Assist in recovery efforts for non‑performing loans, working with internal and external stakeholders.
* Maintain accurate records and workflows using internal systems, including nCino.
* Monitor task completion against SLAs and escalise issues as needed.
* Collaborate with Risk, Compliance, and Legal to ensure servicing activities meet regulatory and policy standards.
* Contribute to process and system improvement initiatives to enhance efficiency and customer experience.
Corporate Responsibilities
* Read and follow all relevant company policies and procedures.
* Adhere to all risk‑related responsibilities applicable to your role, as set out in the Risk Management Policy.
* Abide by all compliance and financial crime related policies, procedures and reporting obligations applicable to your role.
Required Skills & Experience
* Minimum 5 years’ experience in lending operations, ideally with experience in portfolio servicing, arrears, or collections.
* Understanding of covenant monitoring, loan variations and customer servicing.
* Experience in debt handling or collections is beneficial.
* Proficient in using internal systems to manage workflows and maintain records.
* Familiarity with nCino is advantageous.
* Strong analytical skills and attention to detail.
* Effective communication and stakeholder management skills.
Why Join?
At Recognise Bank, we’re building more than a bank – we’re creating a culture where people feel empowered to make a difference, supported to be brilliant with a can do will do attitude, and trusted to do the right thing. We believe that when our people thrive, so do our customers. That’s why we invest in an environment that reflects our values and supports your growth, flexibility, and wellbeing.
Benefits
* 🌴 Competitive Time Off – Generous annual leave plus bank holidays.
* 🌍 Work From Anywhere – Up to 4 weeks per year to work remotely from anywhere in the world.
* 📚 Learning & Development – Tailored training and support to grow your skills and achieve professional goals.
* 🏠 Hybrid Working – 4 days in the office and 1 day remote to support work‑life balance.
* 🩺 Private Medical Care – Comprehensive healthcare including optical and dental coverage.
* 💼 Enhanced Pension Scheme – Helping you plan and save for a secure future.
* 👶 Maternity, Paternity & Adoption Pay – Supporting you and your family during important life moments.
* 🎉 Discretionary Company Bonus – Rewarding your contribution to our shared success.
Recognise Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
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