Corporate Portfolio Director - Midlands in Birmingham

Company Description

We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans. We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.

Benefits of working at Together:

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Free access to company holiday homes
• Buy & sell holidays
• Discretionary annual bonus plus an additional Shared Reward Bonus
• Matched pension contribution
• Health cash plan plus private medical insurance
• Life assurance and Critical illness cover
• Travel season ticket loans and Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

Job Description

As a Corporate Portfolio Director, you will be responsible for managing a portfolio of Corporate Customers across the Midlands, some of whom will have complex needs or may experience challenges that need support/corrective measures to protect the loan book. You will work with the Exec team to deliver appropriate risk strategies and credit limits for your portfolio. Working to achieve a commercially balanced sustainable solution, assessing the credit position and identifying the right option suitable to meet both the Customer and business needs. This will include assessing new lending opportunities and maintaining an ongoing review of the Customer’s wider business to identify credit appetite.

Responsibilities:

• Develop relationships at all levels with your portfolio of Corporate Customers and senior stakeholders to enable successful business relationships; allowing us to manage, protect and grow the loan book
• Actively own and manage allocated corporate accounts by implementing credit strategies to effectively & efficiently minimise credit risk; providing solutions and creating potential lending opportunities where appropriate
• Manage, track & analyse departmental data to support the decision making process
• Work with the wider business to identify & manage horizon risks
• Maintain strong & relevant industry knowledge across all asset type, sectors and regions
• Support the management of the department by identifying process opportunities to improve the outcome for Customers and our business

Qualifications

Essential:

• Strong relationship and portfolio management experience
• Expert knowledge of the commercial & residential lending market
• Deep knowledge of credit management strategies
• Ability to effectively challenge and influence key stakeholders
• Good understanding of financial accounts & cash flow forecasts

If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you regarding your suitability for the role.

Additional Information

Together embraces diversity and inclusion, and is proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills. If you feel you’d benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process. Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.