Key Responsibilities
- Lead and manage the portfolio operations team, ensuring timely and accurate servicing of loans throughout their lifecycle.
- Oversee covenant testing and reporting to ensure ongoing compliance with borrower obligations and internal policies.
- Support restructuring activities, including extensions, redemptions, and variations, ensuring decisions are well-informed, customer-focused and in line with Bank risk appetite and commercial requirements.
- Oversee collections and enforcement activity for non-performing loans, ensuring early engagement and effective resolution strategies and working closely with internal and external stakeholders.
- Ensure accurate record-keeping and workflow management using internal systems, including nCino.
- Monitor team performance against SLAs and KPIs, driving a high-performance, execution-focused culture.
- Collaborate with Risk, Compliance & Legal functions to ensure servicing activities align with regulatory expectations.
- Support process improvement and automation initiatives to enhance efficiency and scalability.
- Coach and develop team members, fostering ownership, accountability, and continuous improvement.
- Provide operational support to strategic and transformation projects.
- Corporate Responsibilities
- Read and follow all relevant company policies and procedures
- Adhere to all risk-related responsibilities applicable to your role, as set out in the Risk Management Policy
- Abide by all compliance and financial crime related policies, procedures and reporting obligations applicable to your role
Required Skills & Experience
- Minimum 8 years’ experience in lending operations, with a preference to bridging lending, with strong knowledge of portfolio management, arrears, and collections.
- Proven leadership experience, with a track record of managing teams and driving performance.
- Strong understanding of covenant monitoring, loan variations, and customer relationship management.
- Experience in debt handling, restructures and enforcement is essential.
- Proficient in using internal systems to manage workflows and maintain records.
- Familiarity with nCino is beneficial.
- Strong analytical skills and attention to detail.
- Excellent communication and stakeholder management abilities.
Top Skills
What We Do
Recognise Bank was founded in 2017 by experienced business owners who recognised the disconnect between traditional business banking and the needs of modern SMEs.
We were frustrated with the lack of understanding, certainty and flexibility offered within the industry. In short, we believed that we could build a better bank. And so, we did. We received our banking licence in 2021 and quickly grew our community of loyal business and personal customers, with the help of our dedicated, diverse, and expert team.
Recognising our customers is at the heart of what we do. Today, our hard work and customer centricity is demonstrated by our excellent rating on Trustpilot. We offer a range of award-winning, secure FSCS protected savings accounts with competitive interest rates for individuals and businesses alike.
Recognise Bank is authorised by the Prudential Regulatory Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulatory Authority (PRA). Our eligible saving products are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 for individuals and businesses and £170,000 for joint accounts.
We also offer a range of specialist lending products, and we aim to be as flexible as possible with all of our offerings and services, no matter what your business needs. It’s why our customers, brokers and partners love working with us.
🌟 Rated ‘Excellent’ on Trustpilot
🌟 Rated 4.88/5 on Smart Money People
🌟 Rated 4.6/5 on Google
🏆‘Commended’ for the Best Business Variable Rate Deposit Account Provider at the 2024 Business Moneyfacts Awards
🥇Winner of the Best Monthly Interest Savings Provider at the 2024 Moneynet Personal Finance Awards
