At a Glance
- Tasks: Support Senior Lending Team in managing SME lending and client relationships.
- Company: Dynamic recruitment agency connecting talent with top financial services firms.
- Benefits: Remote work, clear career progression, and collaboration with experienced professionals.
- Other info: Opportunity to grow into a senior lending role in a supportive environment.
- Why this job: Make a real impact in high-growth businesses while developing your career.
- Qualifications: Experience in SME lending or commercial banking and strong analytical skills.
The predicted salary is between 40000 - 50000 € per year.
REMOTE, Field Based - Scotland
Northreach is a dynamic recruitment agency that connects businesses with top talent across Financial Services and Investment sectors. We specialise in delivering a seamless recruitment experience for both clients and candidates, supporting growth, innovation, and long-term career development.
A well-established and growing UK investment fund is seeking an experienced Lending Associate / Relationship Manager to support its expanding SME lending portfolio focused on high-growth businesses across Scotland and the wider UK.
We’re looking for someone with strong commercial lending or SME finance experience who thrives in a fast-paced, purpose-driven investment environment and enjoys working closely with Senior Lending Team members to support deal execution and portfolio management.
The Role
You will support Senior Lending Team members across the full lending lifecycle, from post-approval execution through to ongoing portfolio monitoring and client engagement. Key responsibilities include:
- Supporting Senior Lending Team members with post-approval processes including facility documentation, security arrangements, and completion of Conditions Precedent
- Liaising with internal Risk teams and external legal/security partners to ensure smooth transaction execution
- Assisting with mid-term amendments, repayment requests, and drafting supporting credit papers where required
- Monitoring portfolio performance, reviewing monthly financial information, and identifying early warning indicators or potential covenant risks
- Supporting proactive portfolio management and client relationship engagement alongside Senior Lending Team members
- Contributing to fund reporting, internal updates, and investor-facing materials where required
- Supporting analysis of SME financial accounts and management information to inform credit recommendations
What We’re Looking For
- Experience in SME lending, commercial banking, relationship management, or debt advisory roles
- Strong understanding of cashflow-based lending and SME credit fundamentals
- Experience supporting or preparing credit papers or lending proposals (advantageous)
- Strong numerical and analytical skills with the ability to interpret financial statements and management accounts
- Comfortable managing multiple workstreams and meeting tight deadlines in a fast-moving environment
- Strong communication skills with the ability to engage stakeholders at all levels
- Experience using CRM systems and Microsoft Office 365
Highly Desirable
- Experience in market-gap or growth lending (non-bank lending preferred)
- Exposure to portfolio monitoring and covenant management
- Existing professional network within Scottish SME or investment markets
- Experience working closely with senior deal teams or credit committees
Why This Opportunity?
- This is a high-impact role offering:
- Clear progression within the organisation
- Close collaboration with experienced senior deal professionals and risk teams
- Strong visibility across deal execution and portfolio strategy
- Opportunity to work with ambitious, high-growth SMEs
- A chance to develop into a senior lending role within a growing organisation
Relationship Manager employer: Northreach
Northreach is an exceptional employer, offering a dynamic and supportive work environment for Relationship Managers in the thriving financial services sector. With a focus on employee growth and collaboration, you will have the opportunity to work closely with experienced professionals while engaging with high-growth SMEs across Scotland. The company promotes a culture of innovation and career development, ensuring that your contributions are valued and recognised as you progress within the organisation.
StudySmarter Expert Advice🤫
We think this is how you could land Relationship Manager
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, webinars, or even local meetups. The more you engage with others, the better your chances of landing that Relationship Manager role.
✨Show Off Your Skills
When you get the chance to chat with potential employers, make sure to highlight your experience in SME lending and relationship management. Share specific examples of how you've supported deal execution or managed portfolios to really stand out.
✨Leverage Social Media
Use platforms like LinkedIn to showcase your expertise and connect with industry professionals. Share relevant articles, comment on posts, and don’t hesitate to reach out to hiring managers directly. It’s all about making those connections!
✨Apply Through Our Website
Don’t forget to check out our website for the latest job openings! Applying directly through us not only shows your interest but also gives you a better chance of being noticed by our recruitment team.
We think you need these skills to ace Relationship Manager
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the role of Relationship Manager. Highlight your experience in SME lending and relationship management, and don’t forget to showcase those strong numerical and analytical skills we’re looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re passionate about supporting high-growth businesses and how your background aligns with our needs. Keep it engaging and personal – we want to get to know you!
Showcase Relevant Experience:When filling out your application, be sure to highlight any relevant experience you have with cashflow-based lending or preparing credit papers. We love seeing candidates who can demonstrate their understanding of the lending lifecycle.
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re serious about joining our team at StudySmarter!
How to prepare for a job interview at Northreach
✨Know Your Numbers
Brush up on your numerical and analytical skills before the interview. Be ready to discuss financial statements and cashflow-based lending, as these are crucial for the Lending Associate role. Practising how to interpret financial data will help you impress the interviewers.
✨Showcase Your Relationship Skills
Since this role involves a lot of client engagement, think of examples from your past experiences where you've successfully managed relationships. Prepare to share stories that highlight your communication skills and ability to engage stakeholders at all levels.
✨Familiarise Yourself with the Company
Do some research on the investment fund and its portfolio. Understanding their focus on high-growth SMEs in Scotland will show your genuine interest in the role and help you tailor your answers to align with their goals.
✨Prepare for Scenario Questions
Expect scenario-based questions that assess your problem-solving abilities in a fast-paced environment. Think about how you would handle multiple workstreams or manage tight deadlines, and be ready to articulate your thought process clearly.
