Ethical Sector Lender

Our client is a fast growing, fully independent bank who offer an alternative ethos centred around positive social impact lending. Due to continued growth they have a brand-new role for a Relationship Director with experience of working in the Commercial Banking space. This is a home-based role focussing on Scotland & the successful candidate could be located anywhere within Glasgow, Edinburgh, Central Belt etc.

Focus of the Ethical Sector Lender - Relationship Director role

• To contribute to the growth of the bank within the charity & social purpose sector, primarily through the provision of funding and finance solutions, growing assets under management and increasing the customers managed through acquisitions and new business activity.
• To undertake business development to maximise the opportunities available to the bank & other associated entities.
• To undertake relationship management with assigned customers to deliver customer satisfaction and to maximise income and business development objectives in line with agreed business strategy and business objectives.
• To work with colleagues across the organisation to deliver the required customer solutions.

Responsibilities of the Ethical Sector Lender - Relationship Director role:

• Identification, development and successful conversion of business development opportunities to fulfil the Bank’s business goals
• Demonstrate a thorough understanding of, and promote, the Bank & other associated entities’ services for clients; leading to the achievement of business goals.
• Contribute fully to the achievement of the Bank’s lending targets including demonstrating the ability to analyse lending proposals within the Bank’s risk appetite, leading to the submission of recommendations to the Bank’s Credit Committee.
• Manage the pre and post sanction process for assigned customers, including working to support drawdowns, monitoring and regular client reviews.
• Ensure the current and future business needs of assigned customers are researched and understood in depth, to improve customer satisfaction and to achievement of business goals.
• Manage and monitor the resolution of problems and queries for assigned customers plus the analysis of issues and requirements and the identification and development of appropriate solutions and services to meet their needs.
• Ensure all customer situations are handled appropriately and in line with all procedures, standards and defined discretion, and that specialist knowledge, appropriate behaviours, negotiation skills are applied to achieve as successful an outcome as the circumstances allow.
• Ensure support in all required area(s) of expertise is provided to customers to meet their individual requirements and to resolve their enquiries and requests effectively.
• Undertake effective liaison with appropriate external and internal introducers of business in support of business targets and the Bank vision and mission, within the Bank’s Risk Appetite.
• Build and maintaining extensive and high-level professional and business networks.
• Support plans and activities to raise the profile and awareness of the Bank as a market leader for social purpose & charity funding and finance solutions.
• By demonstrating specific expertise and knowledge of region, customers and the Social Purpose & Charity sector; contribute to the development and implementation of initiatives and plans to develop customer satisfaction & profitable business in the areas/sector(s)

Skills and Experience of theEthical Sector Lender - Relationship Director role:

Experience

• experience of relationship management for significant charity clients or similar organisations.
• account management experience with large charities or equivalent
• Relevant financial services experience
• Experience of business forecasting and budget setting

Qualifications

• High standard of numeracy and literacy
• Financial services qualifications including ACIB, CeMAP, LIBF qualifications.
• Fundraising or charitable services qualifications.

Specialist Skills/ Ability/Knowledge

• Computer literate
• Working knowledge of MS Office
• Experience/knowledge of fundraising and financial requirements of charities
• Experience/ knowledge of working with / in the voluntary sector
• Ability to interpret financial information (audited accounts) and submit lending applications
• Specialist product knowledge
• Leadership skills
• Ability to build business and professional networks
• Good commercial and financial understanding, including legislative and regulatory requirements

Communication

• Negotiation & persuasiveness
• Dealing with clients at a senior level
• Presentation skills (written & oral) to small & large groups
• Ability to adapt style to audience

Personal Qualities

• Flexible
• Organised
• Proactive
• Personal drive to exceed targets
• Demonstrate a positive attitude
• Ability to client relationships
• Team worker
• Well-developed planning and organisation skills.
• Ability to work independently
• Ability to self-manage working patterns & prioritisation.