Job Introduction
We now have an exciting opportunity for a Private Banking Manager to join the Romford branch.
You will be responsible for the maintenance and development of a customer portfolio, winning and onboarding new customers through proactive and focused business development activities. You will also be responsible for all aspects of customer relationships within the portfolio (excluding Regulated Mortgage activity), including preparation of credit applications, customer analysis, annual reviews, documentation completion, covenant compliance and profitability.
Main Responsibilities
* Maintain and develop a portfolio of private banking customers, building relationships and ensuring customer satisfaction through excellent customer service.
* Identify, meet and win prospective new customers or introducers by outlining the service offerings.
* Demonstrate a sound understanding of the Bank's Credit Policy and ensure lending decisions are within the discretion awarded by the Branch Manager.
* Interpret financial information provided by customers, evaluate lending propositions, assess and formulate risk ratings correctly, and structure transactions.
* Use the appropriate Bank systems to complete credit applications and annual reviews.
* Develop and maintain a sound understanding of the local market and relationships with professional firms and introducers.
* Have a demonstrable understanding of Handelsbanken products and competitor products, and stay informed of relevant industry and market-driven trends.
* Perform general administration, prepare legal documentation for accounts, personal loans and mortgages, maintain customers' files (including CDD/AML requirements), prepare annual reviews, and process payments.
Ideal Candidate
* Excellent customer service skills.
* Good understanding of the Bank’s credit processes and personal customer product offering.
* Attention to detail and a methodical, structured work practice with a strong sense of administrative order.
* Excellent verbal and written communication skills.
* Ability to build strong professional relationships at all levels and represent Handelsbanken effectively.
* Interpersonal skills and the ability to work well with impact with people at all levels.
Company Information
Handelsbanken is a relationship bank with a decentralised way of working, a strong local presence through a nationwide branch network, and a long-term approach to customer relations, focusing on each individual's needs rather than product sales.
The Bank is deeply committed to embedding good equality and diversity practice. We encourage applications from all backgrounds regardless of socio-economic status, age, disability, pregnancy, parental status, race, veteran status, marital status, religion, sex, gender reassignment or sexual orientation.
What is in it for you?
* Wide range of learning and development opportunities with ownership of personal development.
* Competitive salary and extensive benefits including private medical insurance, income protection, and life assurance.
* Market-leading pension contribution of 15% paid by the bank, investable in a wide range of funds (including ESG and Shariah funds).
* Flexibility arrangements tailored to branch needs and individual circumstances.
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