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* 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
* Free access to company holiday homes
* Buy & sell holidays
* Discretionary annual bonus plus an additional Shared Reward Bonus
* Life assurance and Critical illness cover
* Travel season ticket loans and Ride to work scheme
* Free local gym access
* Local bar / restaurant discounts
Company Description
We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.
We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
Job Description
As a Corporate Recovery Director, you will be responsible for managing a portfolio of Corporate Customers who are experiencing challenges around either servicing loans, security risks and/or exit risks.
We are looking for someone to:
* Manage the credit relationship for a portfolio of customers classified as facing stressed & / or distressed situations, implementing turnaround & recovery strategies and techniques to minimize credit risk
* Be a subject matter expert in recovery & business restructuring, who can confidently challenge professional advisors to achieve the best outcome for customers and Together
* Lead credit discussions with customers and obtain approval for exposures / actions from the appropriate authority and work with management teams and key internal & external stakeholders
* Analyze and challenge information received from customers and / or advisors, checking back to source documentation, in order to undertake a robust situation analysis and formulate turnaround / recovery / restructuring strategies
* Visit customers to discuss the issues leading to the stressed & / or distressed situation, develop a relationship and consider appropriate strategies to address the concerns
* Make clear and supported credit recommendations (including loan restructuring where appropriate), monitor management information and oversee security & documentation requirements, liaising with external legal counsel where appropriate
* Support the Head of Corporate Recovery to identify risk of impairment in a timely manner and in identifying lessons learned for feedback to the wider business
Qualifications
* Significant experience in credit risk and workout roles in SME and corporate lending
* Expert knowledge of the commercial & residential lending market
* Good understanding of financial accounts & cash flow forecast
* Deep knowledge of credit management & recovery strategies
* Evidence of balanced and independent judgement to derive, evaluate and recommend strategies
* Strong relationship management & negotiating skills with the ability to challenge and influence
* Proven analytical skills with a strong working knowledge of risk control
If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you regarding your suitability for the role.
Additional Information
We embrace diversity and inclusion, and are proud to be an equal opportunity workplace. We celebrate difference, support it, and value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills.
If you require support or reasonable adjustments during any stage of the recruitment process, please let us know when completing your application. We will do our best to accommodate your needs.
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Please note that all successful applicants will undergo relevant employment reference, financial, and criminal record checks.
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