Job Description

The roles primary focus will be the successful resolution of underperforming loans while ensuring open communication, transparency and accuracy with multiple stakeholders internally (e.g. Loan Management, Credit Underwriting, Credit Committee, Internal Audit) and externally (e.g. Customers, Advisers, Regulators, Auditors).

The Lending Manager may also be required to ensure the effective execution of new lending proposals from referral to drawdown and ongoing diligent management of the lending portfolios through to loan maturity, depending on business requirements.

The role will initially be with Credit Asset Management and then the successful applicant will then have the opportunity to join Recognise

Responsibilities:

• Manage payment arrears and early identification of potentially problematic, higher risk loans.
• Participation in regular Risk and Provisions Forums with internal stakeholders presenting individual case strategies and demonstrating high professional standards.
• Collaboratively work with Loan Managers and Credit Partners to provide support and guidance at the emergence of any early warning signs within the wider loan book.
• Take ownership and support colleagues by being a point of reference on interpretation, application and compliance with Arrears Management, Debt Recovery and Lending Policies including Vulnerable Customer Policy and Responsible Lending statement
• Operate within credit risk appetite and lending policy/criteria to complete quality lending propositions at all times and ensure full adherence to lending procedures and processes.
• Able to interact with customers to understand their business model, forecasted cash flows and macro/micro business risks.
• Where the business requires it ensure efficient delivery of new commercial propositions and management of existing loans with high levels of accuracy maintained while aiming to provide first class service.
• Support projects both within the Loan Management Team and across the wider business on lending related initiatives.

Required Knowledge, Skills, and Abilities

Experience in loan portfolio management, arrears management, debt restructuring and debt recovery. Experience of a broad range of commercial property lending, other secured lending including asset finance together with relevant market knowledge. Experience of IFRS9 Provisioning Models and a working knowledge of portfolio and specific provision calculations. Proven ability to manage multiple tasks whilst maintaining high levels of accuracy and adhering to tight timescales. Track record of delivering an outstanding level of service to customers. Good understanding of finance and security documentation. Strong interpersonal skills (networking and negotiation) and confident in communicating at all levels. Highly motivated, organised with a proactive ‘can-do’ attitude.