Manage customer relationships and credit oversight as a Relationship Manager at Allica Bank. Ensure strong credit monitoring and support established SMEs in the UK.
Responsibilities
Managing in-life changes to lending facilities
Monitoring credit risk and identifying early warning signs
Supporting customers while protecting the bank’s position
Driving process improvements as we continue to scale
Own complex borrower requests (e.g. restructures, security changes, loan modifications)
Engage directly with customers to understand and assess requests
Work closely with underwriting and relationship teams on credit decisions
Ensure consistent processes and high-quality documentation
Review and triage Early Warning Indicator (EWI) alerts
Identify emerging risks and take appropriate action
Manage pre-watchlist accounts and support remediation strategies
Deliver great customer outcomes aligned to Consumer Duty and TCF
Work collaboratively across relationship, underwriting, and collections teams
Engage with broker-introduced customers in line with agreements
Help build and embed scalable processes for in-life lending
Develop meaningful MI and reporting for oversight and planning
Identify trends and drive improvements across credit and workflow
Contribute to continuous improvement as the team evolves
Requirements
A strong understanding of SME/commercial lending and in-life credit risk monitoring, including interpreting early warning indicators and identifying emerging credit deterioration
Customer-focused mindset, balanced with risk discipline able to support customers early while protecting the Bank’s position and escalating when required
Strong judgement and ability to prioritise effectively in a fast-moving environment, while maintaining robust controls and good documentation standards
Proven ability to build and embed processes, MI, and ways of working, and to drive continuous improvement across cross-functional stakeholders
Confident communicator who can engage internal stakeholders and customers professionally, sensitively, and with a strong focus on fair outcomes
Comfortable working with imperfect data and evolving processes, with the ability to create structure, clarity and governance as the model matures
Benefits
Full onboarding support and continued development opportunities
Options for flexible working
Regular social activities
Pension contributions
Discretionary bonus scheme
Private health cover
Life assurance
Family friendly policies including enhanced Maternity & Paternity leave
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