Associate Client Manager

The Opportunity

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world

• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture

• Enjoy finding new and better ways to solve complexity and make things happen

• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups

• Care about society and the environment and want to be part of a business that cares too

• Want to continue to grow professionally and be the best version of yourself

The Role & Responsibilities

To support the team of Client Managers Client Directors with all aspects of the in-life management of the client portfolio. You will be required to work collaboratively as part of a team, to ensure all client relationships are managed in accordance with the principles of the business model, corporate procedures and best practice, ensuring accuracy and integrity of data and records, as well as detecting errors and fraud.

You will be required to liaise directly with clients to deliver excellent customer service and added value; key internal stakeholders (including Credit and New Business Origination teams) and external professionals. Analysis of financial information and the ongoing management of credit stewardship are key parts of this role.

• Help to develop and maintain strong, multi-layered relationships with Clients at operational and board level, maximizing client life and retention

• Act as a key point of contact for clients and other internal departments to support customer service and risk management activities

• Analyse complex financial information, including statutory accounts; management accounts (incorporating cash flow analysis), budgets and forecasts (including sensitivity analysis) and Financial Due Diligence reports. Present insight and recommendations to Client Managers and as required to Credit

• Undertake covenant calculations and look forward modelling and use these, combined with overall financial analysis, to identify both concerning trends and opportunities

• Undertake credit grading analysis and complete pricing models to help ensure the correct balance of risk and reward is maintained across the portfolio

• Manage and monitor internal monthly reports and information requirements along with system and database updates.

• Accompany Client Managers on visits as required, drafting agendas and visit reports in the defined format. Take ownership of preparation and submission of annual credit reviews where appropriate and assist with the preparation of more complex reviews and increase requests as required

• Liaise with external legal counsel regarding the preparation and negotiation of facility documentation ensuring this meets the requirements of the bank

• Take the lead in undertaking all ongoing due diligence, including KYC/AML; Equifax Alerts; and Portfolio Review Process. Identify & report any compliance breaches, errors, and potential frauds

• Seek out and recommend process improvements across Corporate Lending

• Lead on, or contribute to, ongoing improvement projects across Corporate Lending

• Support Client Managers to ensure a comprehensive and successful client take on and onboarding process

The Person

• Foundation level Banking or Accountancy qualification preferred

• Proven track record of at least 2/3 years in Corporate / Commercial lending or similar environment

• Comprehensive understanding of commercial lending products and market

• Demonstrable track record in analysing financial data and constructing clear and concise reports

• Excellent interpersonal skills (experience in a client facing role is preferred)

• Computer literate (proficient knowledge of Excel and good knowledge of other MS Office suite applications)

• Strong financial analysis skills and ability to extend this analysis to wider business risks and opportunities

• Good knowledge of commercial loan product types, procedures and markets

• Able to handle high volumes of work without compromising on accuracy, quality and client focus.

• Strongly ‘risk orientated’ approach

Reward

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment

• Free access to Headspace, a mindfulness & meditation digital health app

• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause

• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health

• Cycle to work scheme

• Discounts on gym membership

• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year

• Option to buy or sell holiday days through our flexi-holiday scheme

• Discounts on gym membership nationwide

• Access to discounts on a range of high street and online brands

• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success

• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done