Relationship Manager - Liverpool

📋 Description

• • Allica Bank is on a mission to support established Small and Medium-sized Enterprises (SMEs), a vital yet often overlooked segment of the UK economy. As the UK's fastest-growing company and the fastest-growing fintech firm ever, we are dedicated to reimagining relationship banking for these businesses through exceptional people, innovative products, and cutting-edge digital tools.
• • The Relationship Manager team, established in 2022, is central to our strategy. Every customer opening an account is assigned a dedicated Relationship Manager, tasked with providing outstanding service and building deep, trust-based relationships. This role is crucial in understanding our clients' ambitions, goals, and motivations, enabling us to offer tailored support.
• • As a Relationship Manager, you will be instrumental in supporting customers with Allica Bank's comprehensive suite of products, including Business Current Accounts, Savings Accounts, Commercial Loans, Asset Finance, and Working Capital Facilities. Your expertise will guide clients towards the most suitable financial solutions for their business needs.
• • A key aspect of this role involves new business acquisition. While managing existing portfolios, you will also be responsible for actively seeking and developing new SME lending opportunities. This requires cultivating and leveraging a strong network of trusted SME advisors, such as accountants, solicitors, and business organizations, to identify potential clients and referral sources.
• • We expect our Relationship Managers to be recognized as valued partners and experts in business finance within their local communities. This involves not only understanding financial products but also possessing a deep insight into the challenges and opportunities faced by established SMEs.
• • Your principal accountabilities will include expertly managing a portfolio of SME customers, thoroughly understanding their needs and business aspirations, and proactively identifying opportunities to support them through Allica Bank's offerings and your external network.
• • You will be responsible for originating SME lending opportunities for both existing and new customers, managing the entire process from initial inquiry through to completion. This includes meticulously preparing credit papers in strict accordance with Allica’s credit policy and risk appetite.
• • Delivering the business plan for your designated local area is a core responsibility. You will actively manage your objectives and personal development plan to ensure consistent performance and growth.
• • Representing Allica Bank in your local area requires a commitment to excellence. You will ensure outstanding service delivery for local SME customers, prospects, and advisors, making your colleagues proud of your representation of the bank's values.
• • Collaboration is key. You will work closely and harmoniously with all departments within Allica Bank to guarantee a seamless, professional, and positive customer experience.
• • Contributing positively to Allica’s culture is paramount. You will consistently demonstrate the bank’s core values in all your interactions and activities.
• • Adherence to all mandatory policies and operational procedures is essential for maintaining robust internal controls and ensuring regulatory compliance.
• • This role demands a highly capable Relationship Manager and Business Developer with a proven, long-term track record of building high-value, trust-based, and enduring referral relationships within the SME sector.
• • A strong understanding of SME banking, specifically including a background in commercial lending, is a prerequisite for success in this position.
• • You must be able to demonstrate a history of providing an exemplary level of customer service and effectively maximizing the value derived from prospects and customers.
• • A genuine passion for supporting SMEs, coupled with a self-starter attitude and an entrepreneurial mindset, is essential for thriving in this dynamic environment.
• • Excellent interpersonal and communication skills are vital, alongside evidence of strong career progression and/or consistent outperformance in previous roles.
• • You will need to evidence a strong ability to work expertly with customers, colleagues, and advisors to structure new lending proposals and accurately write credit applications.
• • A proven track record in delivering excellent customer service, generating new income opportunities, and effectively managing credit risk is required.
• • Demonstrable ability to analyze and review financial accounts and associated information is crucial for assessing lending proposals and understanding client financial health.