Relationship Manager - Squad Lead

About Allica Bank

Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.

Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.

Reporting to the Senior Central Team Manager, you will be responsible for nurturing a portfolio of remotely managed SMEs onboarded through our client acquisition outreach activity In addition to looking after your own customers, you will also have line management responsibility for a small team of Central Relationship Managers.

As a bank built solely to support the needs of established SMEs, we are committed to helping businesses achieve their ambitions through our range of growing banking products and services, with the provision of lending having been a core part of our offering since day one.

As our customer and lending book continues to grow, we are passionate about helping our customers to access proactive banking services. As our Relationship Teams continue to grow this has led to us launching this newly formed role as we look to continue on our journey to become the UK’s most recommended bank for established SME’s

First and foremost, though this is a relationship driven role, and so we are seeking candidates comfortable to engage and build rapport with business owners, passionate and curious to understand their business plans and ambitions and how Allica can support their aspirations.

• Successfully remote relationship managing a portfolio of established SME businesses, providing secured lending including commercial mortgages and asset finance, as well as current accounts and deposit facilities. The Allica product offering will continue to widen over time as we further grow.

• Proactive Credit risk management of your portfolio, including using data alerts and insight to identify early warning indicators and support with further advances where required

• Working closely with business owners to support their plans and ambitions through originating new lending opportunities from initial enquiry to completion, including assessing and proposing credit papers inline with Allica’s credit policies and appetite.

• Leading and developing a small team of relationship managers, providing coaching and support. This will include regular performance reviews and intervention where appropriate.

• Communicating and tracking key objectives within your portfolio and your team to ensure high levels of service and customer outcomes.

• Actively managing your own objectives and personal development plan, supporting the Senior Central Relationship Manager with the delivery of the team goals and ambitions

• You will be able to evidence the ability to work independently when supporting established SMEs with their requirements, and also the ability to coach others.

• Working closely and collaboratively with varying teams across Allica Bank to ensure a seamless and professional service is always provided.

• Being a positive contributor to Allica Banks culture, and always demonstrating our values of Straightforward, Integrity, Collaborative and Delivery.

• Complying with all mandatory policies and adhering to operational procedures.

• A deep passion for supporting and helping established SME’s to grow and achieve their ambitions.

• A self-starter, organised and able to be flexible in a fast paced environment.

• A highly capable relationship builder, with a history of delivering support for SME’s through the provision of financing, deposit facilities and banking services.

• You will have strong credit skills, including the ability to build a deep understanding of a business plans, analyse their financial accounts and propose a suitable structure that helps them with their goals whilst mitigating identified risks.

• You can demonstrate a strong understanding of SME banking, including a well founded knowledge of commercial lending and securities.

• The ability to deliver…