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- Tasks: Lead relationship management for business banking, ensuring customer satisfaction and growth.
- Company: Join Cynergy Bank, the UK's human digital bank focused on empowering SMEs.
- Benefits: Enjoy competitive salary, bonus, flexible holidays, and health benefits.
- Why this job: Make a real impact by supporting businesses and building lasting relationships.
- Qualifications: Experience in banking, strong analytical skills, and a passion for customer service.
- Other info: Hybrid working model with opportunities for professional development and career growth.
The predicted salary is between 36000 - 60000 £ per year.
Job Description
Hybrid Working Pattern: 3 days in Office & 2 WFH
About us
Cynergy Bank is the UK’s human digital bank serving the needs of ‘scale up’ or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals, in essence those market segments that still value human service enabled by great technology.
We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their interdependent banking needs. We provide a comprehensive range of digitally enabled products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers.
Our human and digital model transforms banking for customers who still value a face-to-face relationship that is enabled by the latest digital technology.
We partner with firms such as Google Cloud, Cigniti and Slalom as we continue to innovate in the human digital space.
Cynergy Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits with Cynergy Bank plc are protected by the UK Financial Services Compensation Scheme.
For more information on Cynergy Bank visit www.cynergybank.co.uk
Company Benefits
- Competitive Salary and Company Bonus
- Competitive holiday allowance plus bank holidays
- Option to purchase an additional 10 days holiday
- Pension contribution and Life Assurance
- Income Protection Scheme and Season Ticket Loan
- Medical Cover (After Probation)
- Electric Car Scheme and Money Coach (After Probation)
The Role:
You will be part of a Relationship Management Team that supports the Bank’s existing unregulated customers, from Commercial Trading, hospitality, hotels and healthcare to Real Estate Finance.
The team aims to deliver long term sustainable value for the Bank and you will support the full life cycle of the customer relationship – from growth aspirations through the sale of products the Bank’s has available, through to proactively managing expiring loans; customer satisfaction is key with a strong focus on retaining our existing customers. There will also be the opportunity to win and write new business for new clients across our sectors typically in the range of £2m – £10m as your portfolio is built up to c35-40 clients.
This is all underpinned by a strong understanding of risk management and proactively ensuring all borrowing adheres to its terms and conditions and aligned to the Bank’s credit and wider requirements.
Responsibilities:
- Develop and lead implementation of the business banking strategy; include achievement of growth, income targets and adherence to the Bank’s standards in respect of operational and regulatory risk
- Drive team performance by coaching, mentoring and motivating team members
- Ensure adherence to the bank’s disaster recovery/business continuity procedures; to include liaising with Systems to review and update plans for your area and ensuring staff are fully informed of these plans and their specific responsibilities
- Proactively manage and develop a portfolio of business and real estate customers (typically £2m – £30m). Monitor portfolio and take action as necessary to minimise risk and ensure quality account management.
- Monitor relevant Management Information and ensure appropriate action is reported
- Identify opportunities and proactively promote / sell products to existing customers
- Build and maintain effective relationships with key business partners to maximise potential growth of business with referrals to the Originations team as required
- Maximise new lending opportunities to existing customers
- Independently assess, critically evaluate, prepare and submit applications for loan facilities, ensuring appropriate commentary and analysis to aid decision making to high standards expected.
- Proactively manage expiring loans and unscheduled redemptions seeking to retain debt which is within the Bank’s risk appetite
- Monitor market developments and competitor activity. Recommend and implement appropriate action to ensure the Bank competes effectively
- Provide input to Bank policy including lending guidelines, product development and overall risk management
- Proactively identify and prevent duplication to improve procedural efficiency
- Ensure that portfolio is fully compliant with the Bank’s AML policies and procedures
- Ensure that KYC procedures including the requirements for periodic reviews in accordance with the AML framework on all customer connections are maintained and recorded
- Ensure procedure manuals are regularly reviewed and updated to support the adherence to agreed policy and procedures
- Maintain delivery of a high quality service to customers.
Essential Skills, experience and Qualifications:
Technical skills
- Demonstrate high quality asset class knowledge in Trading Businesses and Real Estate Finance
- Needs to demonstrate end to end knowledge across the customer journey covering deal structuring, execution and ongoing risk management
- Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured papers.
- Experience in the analysis of senior and cashflow transactions.
- Understand and adhere to the Bank’s policies and procedures with particular reference to:
- Consumer Duty (incorporating consideration of Vulnerable Customers)
- Fair Treatment of Customers
- Information Security and Data Protection Act 2018 (GDPR)
- Risk management and reporting of risk management incidents
- Regulatory compliance and prevention of financial crime
- Disaster recovery and business continuity
- Conduct Rules and Professional Standards
Relevant and/or preferred qualifications (please specify required or preferred)
- University Degree (Preferred)
- Banking Exams (Preferred)
- Evidence of Continuous Professional Development (Preferred)
Behavioural Skills:
- Strong problem-solving ability.
- Ability to effectively coach and mentor colleagues providing future succession for the Bank.
- Motivate, inspire and create and effective team to achieve set common and individual goals.
- Support Bank wide Forums as required or identified.
- Cooperate with and help colleagues across our business, performing other reasonable tasks as may be required from time to time.
- Demonstrate alignment and actively promote the Bank’s values.
Risk and/or governance responsibilities
- Work collaboratively alongside 2LOD to ensure transactions are structured appropriately reflecting the Bank’s risk appetite.
- Demonstrate a high level of preparedness for Executive Credit Committee presentations, providing a significant degree of comfort to voting members.
- Demonstrate a high level of understanding of the Bank’s KYC and AML procedures.
- Ensure procedure manuals are regularly reviewed and updated to support the adherence to agreed policy and procedures.
- Ensure that all material audit, risk or compliance issues and audit action points are concluded promptly and within agreed deadlines.
Outline of Leadership responsibilities (to be demonstrated at a reasonable level of competence)
- Demonstrate market presence while promoting the Cynergy Bank brand with customers and business partners.
- Take accountability of individual budgets from both a lending and liabilities perspective as required.
- Proactively manage lending with a high degree of accuracy and transparency.
- Proactively contribute to the Performance Planning and Review process
- Contribute a ‘One Team’ approach in line with the Bank values creating excellent employee engagement.
- Proactively collaborate between the Origination and Portfolio teams, creating a “One Team” image, both internal and external.
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Relationship Director Portfolio Management · Glasgow, Manchester · employer: Cynergy Bank Limited
Contact Detail:
Cynergy Bank Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Relationship Director Portfolio Management · Glasgow, Manchester ·
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, join relevant online groups, and don’t be shy about reaching out to potential contacts on LinkedIn. Remember, it’s all about building relationships that can lead to job opportunities.
✨Ace the Interview
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✨Follow Up
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We think you need these skills to ace Relationship Director Portfolio Management · Glasgow, Manchester ·
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Relationship Director role. Highlight your experience in managing client relationships and any relevant banking knowledge that aligns with our mission at Cynergy Bank.
Showcase Your Skills: Don’t just list your skills; demonstrate them! Use specific examples from your past experiences that showcase your problem-solving abilities, credit analysis skills, and how you've successfully managed customer portfolios.
Be Clear and Concise: Keep your application clear and to the point. We appreciate well-structured papers, so make sure your writing is easy to read and free of jargon. This will help us see your communication skills right away!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands and shows your enthusiasm for joining our team at Cynergy Bank.
How to prepare for a job interview at Cynergy Bank Limited
✨Know Your Stuff
Make sure you have a solid understanding of the banking sector, especially around relationship management and risk assessment. Brush up on your knowledge of asset classes relevant to trading businesses and real estate finance, as this will show you're serious about the role.
✨Showcase Your People Skills
As a Relationship Director, you'll need to build strong connections with clients. Prepare examples of how you've successfully managed client relationships in the past, focusing on your ability to coach and mentor others. This will highlight your leadership skills and your commitment to customer satisfaction.
✨Be Ready for Scenario Questions
Expect questions that ask how you'd handle specific situations, like managing expiring loans or promoting products to existing customers. Think through potential scenarios beforehand and prepare structured responses that demonstrate your problem-solving abilities and strategic thinking.
✨Align with Their Values
Cynergy Bank values a human-digital approach, so be prepared to discuss how you can contribute to this mission. Show that you understand their commitment to customer service and innovation, and share how your personal values align with theirs to create a compelling case for your fit within the team.