Relationship Manager - Liverpool

About the Role

As part of the Allica Bank team, the Relationship Manager will work closely with colleagues and advisors to structure new lending proposals and manage credit risk effectively. The role offers the opportunity to work with a variety of SMEs, each with unique challenges and opportunities, requiring the Relationship Manager to be adaptable, innovative, and customer-focused.

What You Will Do

• Manage a portfolio of SME customers, ensuring high levels of customer satisfaction and retention.
• Originate new SME lending opportunities through a combination of existing customer relationships, referrals, and new business development activities.
• Develop and maintain strong relationships with key stakeholders, including customers, colleagues, and external advisors.
• Analyze financial accounts and associated information to assess lending proposals and manage credit risk.
• Work closely with the credit team to structure and approve new lending facilities.
• Conduct regular customer reviews to ensure that banking facilities remain appropriate and to identify additional sales opportunities.
• Stay up-to-date with market trends, competitor activity, and regulatory changes that may impact SME customers or the bank's lending appetite.
• Collaborate with internal stakeholders to develop and implement local marketing initiatives and business development strategies.
• Provide exceptional customer service, ensuring that customer needs are met promptly and professionally.
• Identify and mitigate potential credit risks, ensuring that all lending activities are conducted in accordance with the bank's policies and procedures.

What We Are Looking For

• A proven track record of building and maintaining high-value, trust-based relationships with SME customers.
• Strong understanding of SME banking and commercial lending, with a background in a similar role.
• Excellent interpersonal and communication skills, with the ability to engage with customers, colleagues, and external stakeholders effectively.
• Ability to work autonomously and as part of a team, with a flexible approach to workload and priorities.
• Proficiency in Excel and other Microsoft Office applications.
• Strong analytical and problem-solving skills, with the ability to analyze financial information and make informed decisions.
• Experience in managing credit risk and structuring lending facilities.
• A strong network of contacts within the SME sector, with the ability to generate new business opportunities.
• Evidence of strong career progression and/or outperformance in previous roles.

Nice to Have

• Experience with CRM systems and other banking software.
• Professional certifications in banking or a related field.
• Knowledge of regulatory requirements and industry standards applicable to SME lending.

Benefits and Perks

• Competitive salary package reflective of experience and qualifications.
• Full onboarding support and continued development opportunities to enhance skills and knowledge.
• Options for flexible working to support work-life balance.
• Regular social activities to foster a sense of community and teamwork.
• Pension contributions to support long-term financial planning.
• Discretionary bonus scheme based on individual and team performance.
• Private health cover for comprehensive medical support.
• Life assurance to provide peace of mind for you and your loved ones.
• Family-friendly policies, including enhanced maternity and paternity leave, to support you through significant life events.

• Ensure your CV and cover letter are tailored to the Relationship Manager role, highlighting your experience in SME banking, commercial lending, and customer relationship management.
• Develop a strong understanding of Allica Bank's approach to SME lending and its commitment to supporting SMEs, demonstrating how your skills and experience align with the bank's objectives.
• Prepare examples of how you have managed credit risk, structured lending facilities, and provided exceptional customer service in previous roles.
• Be ready to discuss your network of contacts within the SME sector and how you can leverage these relationships to generate new business opportunities.
• Consider obtaining or highlighting any relevant professional certifications in banking or a related field to enhance your application.
• Practice your interpersonal and communication skills, as these are crucial for success in the Relationship Manager role, and be prepared to provide examples of how you have effectively engaged with customers and stakeholders in the past.