At a Glance
- Tasks: Support Senior Lending Team in managing SME lending and client relationships.
- Company: Dynamic recruitment agency connecting top talent with leading investment firms.
- Benefits: Remote work, clear career progression, and collaboration with experienced professionals.
- Other info: Fast-paced environment with opportunities for professional growth.
- 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.
- 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 in Scotland employer: Northreach
Northreach is an exceptional employer that fosters a collaborative and dynamic work culture, particularly for the role of Relationship Manager. With a focus on employee growth and development, team members benefit from clear progression pathways and the opportunity to work closely with experienced professionals in the fast-paced SME lending sector across Scotland. The company values innovation and purpose-driven work, making it an attractive place for those seeking meaningful and rewarding careers.
StudySmarter Expert Advice🤫
We think this is how you could land Relationship Manager in Scotland
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, webinars, or even local meet-ups. 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.
✨Follow Up
After any interviews or networking chats, don’t forget to follow up with a quick thank-you email. It shows your enthusiasm for the role and keeps you fresh in their minds. Plus, it’s a great way to reiterate your interest in the position!
✨Apply Through Our Website
We’ve got loads of opportunities waiting for you on our website. Make sure to apply directly through us to streamline your application process and increase your chances of getting noticed by hiring managers.
We think you need these skills to ace Relationship Manager in Scotland
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Relationship Manager. Highlight your experience in SME lending and any relevant achievements that showcase your skills in commercial banking or relationship management.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you're passionate about supporting high-growth businesses and how your background aligns with our needs. Be genuine and let your personality come through.
Showcase Your Analytical Skills:Since this role involves interpreting financial statements and management accounts, make sure to mention any specific examples where you've successfully used your numerical and analytical skills in past roles.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates during the process!
How to prepare for a job interview at Northreach
✨Know Your Numbers
As a Relationship Manager, you'll need to demonstrate strong numerical and analytical skills. Brush up on your understanding of cashflow-based lending and be ready to interpret financial statements. Prepare examples from your past experience where you successfully analysed financial data to support lending decisions.
✨Showcase Your Relationship Skills
This role is all about building and maintaining relationships. Think of specific instances where you've engaged stakeholders effectively or managed client relationships. Be prepared to discuss how you can contribute to proactive portfolio management and client engagement alongside Senior Lending Team members.
✨Familiarise Yourself with the Company
Research the investment fund and its SME lending portfolio. Understand their mission, values, and recent developments in the market. This will not only help you answer questions but also show your genuine interest in the role and the company.
✨Prepare for Scenario Questions
Expect scenario-based questions that assess your problem-solving abilities in a fast-paced environment. Think about challenges you've faced in previous roles, particularly around deal execution or portfolio monitoring, and how you overcame them. This will showcase your ability to thrive under pressure.
