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SalaryRelationship Manager- Brighton Relationship Management
Brighton - South East
Brighton - South East
The Role
A Relationship Manager is the Risk Owner of their assigned portfolio. They are responsible for the relationship management across that portfolio by acting as discussion partner for the director/owner and/or controller of each Client and providing insight and guidance in connection with financial and business issues, striking a careful balance between the commercial interests and risk policy and for cross selling of products and services within the relevant segment. The RM focuses on the long term, pursuing the commercial consolidation and expansion of client relationships while seeking to strike an appropriate balance between the interests of the client.
The Responsibilities
- Relationship management of client facilities including: Bilateral facilities; Syndications (acting either as facility Agent or Participant); Multi-Local; Back-to-Back; Receivable Purchase (Off-Balance sheet);
- Managing 15-25 clients within Corporate (20mln - 250mln turnover) and International (>250mln) segments with income =>50k per annum.
- To aid client retention and portfolio growth through strong collaborative relationships with them and addressing the clients needs utilising the product suite through a deep understanding of their business and the marketplace whilst balancing the needs and interests.
- Assisting with on-boarding of new clients alongside Business Development colleagues and attracting new clients through leveraging relationships with clients and Key Business Introducers alike.
- Daily Monitoring of portfolio risk via a number of channels and reporting to Credit Risk where risk issues are identified.
- Ensuring clients remain compliant with credit approvals and the Debts Purchase Agreement as appropriate.
- Proactive collaboration with Asset Management on both risk and retention issues ensuring good communication channels are maintained.
- Maintaining and proactively managing client facility plans & proposals for retention and future growth opportunities
- Maintaining client profitability through active price / fee management.
- Building relationships both with clients and external advisors (networking) to achieve excellent client satisfaction and improve the Net Promoter Score.
Management and Leadership
- Promote a culture of good conduct by demonstrating and communicating the expected levels of behaviour and integrity by encouraging a speak up culture, compliance and completion of all mandatory/regulatory training courses.
- Demonstrate and promote the expected levels of behaviour and employee integrity by showing strong adherence to moral and ethical principles and internal rules, policies and procedures.
- Create an open and safe working environment which is free from bias and where employees respect the opinions of others, feel free to give voice to their values, report and learn from mistakes by proactively asking for feedback and raise issues or concerns without fear of negative consequences.
- Assess periodically their overall skill set and identify relevant areas for training and development needs.
The Requirements
- Minimum 5-7 years Relationship Management experience within Invoice Finance and/or wider Commercial Lending is essential.
- This is an opportunity for an ambitious, career minded commercial financial professional looking to progress their career with a forward thinking international business
- Demonstrated deep understanding of Receivables Finance and knowledge of ABL products.
- UK Finance IF/ABL Certificate or higher equivalent
- Knowledge of the strategy, products and services of ABF and the specific segments in which the work is being executed is desirable.
- Highly self-motivated with excellent interpersonal skills to build and maintain mutually beneficial relationships with Clients, Key Business Introducers, and other key stakeholders.
- To work collaboratively with your colleagues within Sales, Risk and Operations to ensure effective delivery of client service throughout the lifetime of the client.
- To develop and maintain the companys brand and business reputation in the local area.
- Strong financial and analytical skills.
- Proven credit and deal structuring skills with the ability to articulate / write concise and well-reasoned applications and prudently control lending book.
- Undertake client visits.
- Results orientated.
- Resilience.
- Team Player.
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