Relationship Manager in Cardiff

Do you want to be part of a force for good, helping to make life better for customers & society in the moments that matter? At Hodge, we put people at the heart of our business and that means our customers, colleagues and communities. Hodge is a Welsh financial service provider that focuses on real estate finance, and specialist residential mortgage markets.

Manage and develop a portfolio of existing bank customers, whilst supporting the delivery of the Retail Estate Finance business plan across the spectrum of credit management, business development, income generation, brand profile and reputation, risk management, conduct, compliance and staff development.

As a primary owner of the credit, reputational and operational risk inherent within the allocated portfolio; deliver asset income and growth from the existing customer portfolio in line with annual targets. Deliver high-quality, well-structured work with strong attention to detail, whilst building trusted, long-term relationships with clients, colleagues and professional partners.

The role includes a £7,000 car allowance, which is paid on top of the advertised base salary.

• Excellent presentation and report writing skills
• Excellent negotiation skills
• Manage multiple work streams effectively
• Research, analysis and interpretation of financial and non-financial information
• Good external awareness, eg: Market, Regulation
• Accomplished level of Risk Management

• Manage and develop a portfolio of loans including the acquisition of new clients and negotiating appropriately structured and priced facilities in line with Hodge's risk appetite, capital optimization and return requirements.
• Maintain and develop strong, trusted and professional relationships with clients and their advisors, working closely to establish their strategic goals and identifying areas where Hodge can support their future needs in the context of our established risk appetite parameters.
• Ensure that client requirements and service levels are met through a well-organised, proactive and detail-focused approach delivering a timely, efficient, professional, enthusiastic and knowledgeable manner at all times, driving high levels of client satisfaction.
• Maintain and develop trusted relationships with key external advisors and contacts, developing the Hodge brand to support and grow the business.
• Prepare and present to the relevant sanctioning authority high quality credit papers in a timely manner that are consistent with credit risk policy, business line parameters and sub-sector guidance metrics.
• Work collaboratively with the Business Development Team and wider REF team demonstrating a strong team ethic and positive contribution to the team environment to onboard new to bank relationships smoothly and in line with agreed timescales.
• Timely and professional execution of sanctioned deal structures, scoping and managing appropriate professional advisory work as part of risk appraisal and due diligence processes, along with evaluation and feedback to sanctioning authorities.
• Ensure appropriate security items are taken, drawdown processes are followed correctly, conditions precedent are signed off and AML/KYC due diligence is satisfactory.
• Ensure that all facilities are operating in accordance with agreed terms, reporting any breaches to the appropriate sanctioning authority, providing appropriate proposals for remedy and/or negotiating appropriately restructured facilities with the client.
• Regularly review and accurately assess risk rating characteristics of each exposure within your allocated portfolio.
• Ensure that loans are repaid when due and security items are released, as appropriate.
• Ensure that systems-based records are maintained in a timely and accurate manner.
• Provide guidance and developmental coaching to junior team members.

Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete background checks to assess suitability for employment, these include; a criminal record, identity, media, sanctions, adverse finance, fraud prevention and reference checks to comply with our regulatory requirements.

Hodge is an advocate of being an equal opportunities employer. We believe in promoting equality and diversity which is central to our lives today. We welcome applications from all sections of the community and recognise the value a diverse workforce brings to an organisation.

ESG and sustainability are at the heart of everything we do and serve as a reminder of the responsibility we have to our stakeholders, customers, colleagues and the communities we operate in to use our position wisely. We’re currently exploring different certifications available and have done an initial review of how we think we’d fare, as we see this as a real opportunity for Hodge given our social purpose.