Commercial Director/ Accounts Director in Edinburgh

As a Commercial Director, you will use your relationship management experience, considerable skillset for technical and risk analysis, ability for business development, together with professionalism and business acumen to manage and further build a portfolio of Commercial relationships within risk appetite settings. The team is responsible for building and maintaining our brand in the North & East of Scotland Commercial Banking market.At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.You'll be covering the North & East Scotland region so will need to be based locally to Aberdeen, Inverness or Edinburgh as you will be expected to travel regularly across this region. You can also find out more about our approach to hybrid working here. Virgin Money is now part of NationwideNationwide acquired Virgin Money in October 2024. Virgin Money continues to serve customers on the high street, and there will be a phased and considered integration over the coming years.25 days holiday, pro rataAccess to private medical insuranceA highly competitive pension to help you build a strong foundation for retirementAccess to an annual performance-related bonusTraining and development to help you progress your careerA great selection of additional benefits through our salary sacrifice schemeLife assurance to provide peace of mind for you and your loved ones in the event of your deathWellhub - access to a range of free and paid options for health and wellnessUp to 2 days of paid volunteering a yearBanking - but fairer, more rewarding, and for the good of societyWe forge our own path at Nationwide.As a mutual, we’re owned by our members - those customers who bank, save or have a mortgage with us. We challenge the financial sector status quo. As a community, we want our working lives to count. As a standard-setter, we work for the good of customers, communities, and broader society.Keeping your data and personal information confidential is important to us. To find out more about how we use and process your data, please read our Privacy policy.Disability ConfidentWe’re not just guided by data, we’re driven by the real experiences of our people. We’re a Disability Confident Level 3 Leader, the highest level. That’s why we’re constantly evolving our policies and practices to make sure everyone feels genuinely supported, valued, and empowered to champion inclusion. What you’ll be doingAs a Commercial Director, you will possess high levels of self-awareness and support and bring to life the Bank’s brand and supporting principles through the demonstration of our Purpose. You will network with your external peer group to cement Virgin Money’s reputation as a leading bank providing appropriate and innovative funding solutions. Equally, you will be accountable for evaluating risk and compliance to identify signs of stress with the aim of minimising the Bank’s exposure to bad and doubtful debts. As a Commercial Director, you will use your strong experience to analyse and interpret business and financial information and recommend lending proposals for credit decisioning. Proven technical, credit and deal management skills with a demonstrable track record of delivering a range of financial solutions, from secured to unsecured, to new and existing customersExperience of understanding and interpreting financial statements, forecasts and cash flows, calculating key ratios, and excel credit modelling techniques with outstanding attention to detailExcellent, effective communication and influencing skills, both written and verbal, building instant credibility with stakeholders, and an ability to deliver difficult messages Aptitude to quickly assimilate, understand and efficiently present information to identify issues, and implement solutionsCapacity to cope with complex and continually challenging situations and to have a flexible approach to challenges and problemsUnderstanding of policies, procedures and FCA banking regulations, ensuring these are adhered to at all timesKnowledge of the regional market and a professional network within the local communityExcellent team player who collaborates to add value and make a differenceOur customer first behaviours put customers and members at the heart of how we work together. Feel what customers feel - We step into our customers’ shoes, using their feedback and insights to empathise with them and to understand their needs, so that every decision we make starts and finishes with our customers in mindSay it straight - We are brave in speaking out and saying what we think - we’re honest and direct with good intent, openly sharing diverse perspectives to reach the best conclusions and using language everyone can understandPush for better - We don’t settle for mediocrity, we challenge the status quo, taking responsibility for continuous improvement and personal developmentGet it done - We prioritise what will have the greatest impact, we are decisive, and we take accountability for delivering brilliant customer outcomesYou can strengthen your application by showing how our customer first behaviours resonate with you, and where you may have already demonstrated these.