Commercial Banking

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**_Job Purpose_**
- Offer a sophisticated Commercial Banking service that caters to the unique needs of Owner Managed Independent Media Businesses with an expected target client value of £0-5m (but not limited to to this amount)
- Develop and enhance relationships with both new to bank and existing HNW Clients’ Owner Managed Independent Media Businesses
- Provide effective lending and deposit solutions to meet the needs of such clients, building a profitable and sustainable portfolio which contributes positively to both sides of the AL commercial balance sheet
- Work professionally and proactively to represent the Bank both externally and internally
- Work closely with Private Bankers to encourage internal networks for the referral of business

**_Key Responsibilities_**
- Primary relationship management responsibility for a discrete portfolio of commercial clients, serving as their strategic partner in the bank and acting as a gateway to other products and services
- Meet new business development targets and ensure unwavering commitment to service excellence
- Manage a portfolio of both assets and liabilities (including the management of a loan book)
- Develop and present business cases and initiate credit proposals that match financial products to your clients’ needs
- Overall responsibility for your own risk and regulatory performance as a key member of the banking team, including the client acquisition process
- Manage and develop an extensive network of external business relationships and introducers to acquire, develop and service SME clients
- Work proactively with the Director, Commercial Banking to develop a strategic business plan for your area, including support in the development of Support staff

**Key Interfaces**
- Clients - and their representatives and advisers
- Banking team - both locally and across the wider Commercial Banking business
- Commercial Banking Team Leaders
- Back Office departments - including working closely with Credit, Compliance, Portfolio Control and the Operations departments

**Person Specification**

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**_Knowledge/Experience_**
- You will understand Commercial Banking with knowledge across the financial services industry and good knowledge of the commercial market in which you operate
- Commercial Banking experience dealing with Owner Managed Independent Media Businesses is strongly preferred but not essential.
- A proven track record in developing new business and growing a portfolio of commercial clients is preferred but not essential, however, showing an understanding of sources of business is key.
- Fulfil the responsibilities required under the FCA’s Certification Regimes, and Conduct Rules - the role will be a Certified Person under Regulatory rules.

**_Skills_**
- Good Interpersonal skills including Networking, Negotiation, Presentation, Influencing and Collaboration
- Awarness of the required Business Development skills
- An understanding of risk analysis and credit report writing skills, incorporating the ability to present effectively to Credit Committee in a way that inspires confidence and credibility is preferred but not essential.
- Competence with Microsoft Office, including Word, Excel and Powerpoint

**_Qualifications_**

Desirable: Working towards banking qualifications ACIB/Chartered Banker or equivalent

**_Competencies_**
- Business and Commercial Focus
- Performance Focus
- Planning & Reviewing
- Team Working & Collaboration
- Communication & Confidence

**_Other AL Competencies to consider:_**
- Client Focus
- Excellent Administrative and Organisational skills
- Influencing Others
- Leading Others
- Problem Solving and Judgement
- Relationship Management
- Working Proactively