In Life Lending Risk Portfolio 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

Shawbrook Bank are seeking an experienced In Life Risk Portfolio Manager to join our dynamic team. Working closely with our Portfolio Management team, you will be responsible for managing existing client relationships while monitoring risk exposure for the Bank. This is an exciting opportunity to take full ownership of the client relationship whilst making a significant impact within specialist finance. Regular travel to client sites is required, however the team are able to offer flexibility and are also able to consider part time applications.

Key Responsibilities

• Actively manage ongoing lending monitoring for a portfolio of clients, ensuring compliance with lending covenants and terms

• Conduct regular client visits (weekly travel required to various client locations) to perform on-site lending reviews

• Monitor borrower operations and facility covenants with meticulous attention to detail

• Liaise with clients and the Portfolio Management team on an ongoing basis

• Update relevant Risk Committees on early warning signs and manage watchlist clients

• Interrogate customer systems and records to confirm receivables sold to the Bank are live and enforceable

• Assess and quantify shortfalls in security cover, instructing clients promptly of any replacement cover requirements

• Implement strategic initiatives related to compliance, regulatory and risk management oversight

• Manage portfolio performance and exposure against policy limits

The Person

• Proven experience in either a credit risk or portfolio management role, gained in an SME banking environment or the specialist finance sector.

• Able to demonstrate a knowledge of asset-based lending practices and familiarity with either block discounting facilities, HP, leasing or revolving credit facilities would be highly advantageous.

• Able to demonstrate proven stakeholder management experience.

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