Commercial Lending Support Officer

3 weeks ago

Milton Keynes, United Kingdom Allica Bank Full time

**About Allica Bank**

Recently named by The Times newspaper as one of the UK’s Top 20 financial technology (fintech) companies, Allica is a new bank for established small & medium sized enterprise (SME) customers.

Established SMEs are one of the last underserved opportunities in UK fintech. They are the backbone of local communities - representing over a quarter of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. We’re here to change that.

In our most recent employee survey 92% of our colleagues said that they enjoy working for Allica, and 88% recommend us as a place to work. But we’re not for everyone. Alongside survey responses describing our culture as rewarding, energetic and collaborative, you’ll also hear words like challenging and fast paced.

We’ve won multiple awards in our two years of trading, and recently accelerated our plans by completing a major acquisition alongside a £100m+ funding round. You will be playing a key role as we continue to build a bank dedicated to established SMEs, at what is a crucial time for them.

**Department Description**

Operations in banking like in every other firm is established to carry out all the day-to-day transactions of the business. The Operations function within Allica has wide-ranging responsibilities supporting the customers of all product lines (Commercial Mortgages, Asset Finance, Deposits and Payment Account with aligned card activity), alongside our own internal stakeholders.

We are particularly focused on the following, ensuring that the bank adheres to all relevant Regulatory requirements and our own internal policies and procedures at all times:

- Slick digital account opening, and in life servicing.
- Payment and reconciliation activity.
- Treasury operations.
- Customer due diligence through Know Your Customer, Know Your Business.
- Lending pipeline management.
- Quality assurance and control.
- Issue resolution.
- Effective record keeping and data management.
- Support of all change initiatives

**Purpose of Role**

The purpose of the Commercial Credit Ops role is to ensure the best possible customer experience for Allica’s Commercial Mortgage lending products from Decision in Principle /Offer stage through to loan drawdown and completion.

Working closely with our Business Relationship Managers, our legal and valuation panels and our Underwriting teams you will be responsible for a portfolio of lending cases, managing all relevant activity to progress the case efficiently and effectively through to completion.

If you think you can deliver operational excellence in the Commercial Mortgage arena, this is the role for you.

**Principal Accountabilities**
- Deliver post-sanction administration to ensure timely release of communications, legal and valuation instructions and payments to support the bank’s ethos of fast, high quality service.
- You are able to manage your workload and working day to ensure adherence to the team’s service level agreements and quality expectations.
- Maintain good working relationships with all legal and valuation panel partners to ensure smooth and timely exchange of correspondence and communication.
- Able to build and maintain relationships with core internal stakeholders also; Underwriting and Business Relationship Managers being key.
- Maintain true and accurate records for each case including clear sanction audit trail.
- Ensure compliance with Bank’s policies, procedures and guidelines together with all appropriate regulatory and statutory requirements, implementing actions to protect the Bank’s business at all times.
- Adhere to the Bank’s brand and culture values, ensuring that all accountabilities are undertaken in accordance with the Banks policies and procedures, and good client outcomes form the basis of decisions made.
- Communicate relevant information to team members, senior management and other interested parties ensuring essential features of the situation are understood, enabling informed decisions to be taken where appropriate.
- Maintain clear and accurate internal records for MI and monitoring.
- Maintain and update customer records, including data entry into FMS, the Core Banking system.
- Assist Operations team and other departments as and when directed.

**Personal Attributes & Experience**
- Strong customer service ethic: Experience of delivering a high standard of customer experience in a fast-paced environment.
- Excellent analytical and problem-solving skills developed from a Commercial Mortgage based background.
- Generic knowledge of the commercial environment and lending pipeline management.
- Good level of financial and commercial awareness.
- Understanding of Conduct and Treating Customers Fairly requirements relevant to Credit Operations.
- Excellent oral and written communication skills, along with strong relationship management skills as the role works closely with a number of internal and e

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