Job Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Associate Relationship Director is responsible for ensuring that the financial Analysis of existing and future financial performance reviewing statutory and management accounting information.

This will include financial modelling, spreading and analysis of forecasts. Along with the covenant compliance monitoring and testing, quarterly Borrowing Reviews.

As part of the Relationship Management team, you will be part of the following:

• Meeting with customers.
• Dealing with customer queries.
• Managing and maintaining clients through CRM systems/platforms.
• Supporting Relationship Directors writing lending reports.
• Credit Risk analysis and risk Management.

In addition to this you will work with the Relationship Director managing the loan book on the portfolio and responsible for building effective and collaborative relationships with our customers, identifying future funding opportunities, whilst ensuring excellent customer service.

Working in conjunction with the Credit Partners, Business Development managers and Regional Head of Credit to build strong relationships internally to manage internal sectors and portfolios.

Key Responsibilities

• Carry out post drawdown procedures to enable a smooth handover of the relationship from the Business Development and Transaction Management Teams.
• Interaction with Borrowers and the Transaction Management Team to obtain financial data and information required to monitor the loan portfolio.
• Ensure that management and financial information is received from borrowers on a timely basis.
• Review and input of financial information, calculation of financial covenants and performing quality assurance checks on financial information provided by Borrowers, including comparing actuals against budgets/forecasts, identifying cause of variances and their impact on liquidity and ongoing debt serviceability, and escalating material variances to Relationship Managers and Head of Relationship Management
• Preparing reports and proposals for credit and legal teams in relation to breaches and where waivers or consents are appropriate
• Review of customer projections during the lifecycle of the loan
• Maintain loan status data to provide and demonstrate continuing compliance of each Borrower on the Loan Portfolio
• Working collaboratively with the Business Development, Transactional and Legal Teams

Qualifications

Skills & Experience

• Can navigate, analyse, and understand P&L, BS and Cash Flows.
• Familiar with different accounting platforms (Sage, Xero etc).
• Understanding of Loan Documentation Covenant definitions and terminology.
• Ability to undertake financial modelling and sensitivity analysis.
• Well networked.
• An understanding of debt finance/asset finance and financial services experience
• Excellent written and verbal communication
• Robust, organised, calm, logical and confident.

Key attributes

• Can navigate, analyse, and understand P&L, BS and Cash Flows.
• Familiar with different accounting platforms (Sage, Xero etc).
• Understanding of Loan Documentation Covenant definitions and terminology.
• Ability to undertake financial modelling and sensitivity analysis.
• Well networked.
• An understanding of debt finance/asset finance and financial services experience
• Excellent written and verbal communication
• Robust, organised, calm, logical and confident.

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done