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 within 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 51750 - 63250 £ per year.
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
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StudySmarter Expert Advice🤫
We think this is how you could land Relationship Manager in Scotland
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Northreach. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Relationship Manager in Scotland
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Northreach.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Northreach's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Northreach
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Northreach.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Northreach will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Northreach employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
