CORPORATE RECRUITMENT SOLUTIONS

Responsibility

• own the overall relationship with all lending partners to drive positive outcomes and delivery against Commercial objectives
• deliver new business revenue targets and KPI objectives
• transaction support to include liaison with customers, lawyers , valuers
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• deputise for Head of Portfolio Management
• define, evolve and execute on the brand and content strategy to ensure business growth
• carry out post drawdown procedures to enable a smooth handover of the relationship from the Business Development and Transaction Management Teams
• speaking to Lenders directly and supporting them through their challenges
• to be the first contact point for specialist mortgage customers and/or their authorised representatives on any current or impending payment issues
• managing portfolio of existing customers who all have lending facilities out with my client
• relationship Management and credit stewardship of customer portfolio
• support delivery against revenue and growth targets, inputting into forecasting and on strategy and change to ensure marks are hit
• to lead and inspire the Client Services Managers to deliver an excellent operational service to the client business through their team
• post transaction monitoring to include covenants, MI, development drawdowns/ site monitoring and completion of renewals credit process
• transaction support for more complex cases to include financial analysis
• support product launches, such as blog posts, articles, whitepapers, market commentaries, video educational, product brochures
• interaction with Borrowers and the Transaction Management Team to obtain financial data and information required to monitor the loan portfolio
• managing issues logs & making these visible to customers
• to manage missed payments on accounts, making initial contact with the customer in line with our agreed contact strategy
• responsible for proactive account management focused on building strong relationships to ensure good customer experience
• drive pipeline activity and conversion to grow the lending streams
• request missing information and ensure file completion
• work cross-functionally to devise creative solutions to risk, service, growth and return challenges
• continually evolve and own the partner management framework - including governance and control routines to ensure compliance and right behaviours
• identify industry vertical markets and their top SaaS & ISV vendors via prospecting and utilising your existing network
• through personal risk expertise, identify and maintain appropriate exit strategies for each client
• relationship management of own portfolio
• monitor results and content strategy effectiveness constantly via clear set of metrics and kpis
• ensure that management and financial information is received from borrowers on a timely basis
• contact point for issues and service challenges
• focused on retaining the value of the existing lending book
• conduct Credit checks on both the business and business owner , AML/KYC checks via Experian, and any further background checks
• support the Sales and Marketing functions through leading on lender dialogue regarding proposition, pricing and underwriting routines to support growth
• work cross-functionally to devise creative solutions to risk, service, growth, and return challenges
• review and establishment of personal current account overdrafts
• revisions to communications to ensure alignment with organisational positioning and tone of voice
• project manage new implementations of the products
• to offer treatments to prevent any repeated missed payments, such as updating the payment date or updating direct debit details
• maximising on all upsell and cross sell opportunities within the portfolio
• conduct fraud checks via CIFAS
• managing the client service managers, completing JIGSAWs, one to ones, and development reviews. Offers support and guidance where necessary
• financial crime on boarding
• direct management of recovery cases and selected Intensive care /restructuring cases
• managing two content editors in order to achieve a qualitative and timely execution of content plan
• preparing reports and proposals for credit and legal teams in relation to breaches and where waivers or consents are appropriate
• liaise directly with support and development on enhancements and improvements
• identify areas of improvement for policies and procedures to create streamlined customer success department
• load PDF Bank Statements into MoneyThumb, and analyse bank statements to assess against our credit policy
• develop and own effective reporting and dashboards to track performance against target and deliver insight to inform business plans
• lead full engagement for new business, from identification of the lead to live
• carry out customer visits, reviews and work to develop strategic relationships to support their business objectives
• financial Crime cyclical reviews where current account held
• innovating Content activities, suggesting, testing and monitoring new content topics and formats to increase awareness, consideration and relevance
• review of customer projections during the lifecycle of the loan

Requirements

• previous experience managing large corporate accounts, either 1 direct client or partner would be ideal
• must have experience working in Financial Services/ Fintech
• past experience in portfolio management within an invoice finance environment or related customer success management with proven delivery
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• excellent analytical skills
• understanding of how to work with clients in regulated environments e.g. financial services
• credit Skills including ability to write reports and analyse management information and published accounts
• past experience in portfolio management within an invoice finance/ABL, trade, or debt funding environment with proven delivery
• A collaborator who will partner with others to deliver projects, support merchant adoption, customer service, and other ad-hoctasks
• exceptional organisation and time management skills
• IT Skills competent user of all MS Office products
• A proven track record with a background in Corporate Banking, Accountancy or Corporate Finance would be ideal
• experience in a similar role as a senior RM focused on Commercial Real Estate with debt £1-10m
• highly self-motivated with excellent interpersonal skills and the ability to work effectively with diverse backgrounds
• bachelors Degree
• strong communicator with clear speech and writing
• managing loan processes including valuation, legal instructions
• period as a corporate / commercial relationship manager or credit manager leading on deal sizes up to £10m
• recovery/ restructuring / Insolvency
• proven journalistic skills essential
• past experience in business development, relationship, service or operational management within financial services or a FinTech
• excellent communication and influencing skills, verbal and presentation, as well as confidence engaging senior stakeholders when required
• review and critically analyse complex sets of financial statements or projections to make recommendations, spot trends and anomalies
• relationship Management
• minimum 5 years relationship management experience, ideally within a senior lending level at some point
• confident building commercial relationships with senior stakeholders across the accounts you manage
• driven. You want to be the best, have a desire to grow and push themselves and seeks fresh achievements
• experience in mortgage collections
• experience of supporting corporate relationships or managing deal transactions
• strong appreciation for key account management / portfolio development
• strong networking skills and the ability to build relationships both internally and externally through investing time in understanding our business
• 3 - 8 years of relevant experience
• good mathematical skills
• facility letter and security documentation production
• strong credit skills
• sector knowledge in social impact space
• experience engaging and working with or supporting SME level customers
• strong management skills, importantly with experience at delivering through others and in developing direct report to be successful
• familiar with corporate Loan and security Documentation
• this includes invoice discounting, factoring, asset financing, loans and more - for a few borrowers or many thousands

Earnings for position manager

Responsibility

• meeting and exceeding sales targets set by and understanding the need to monitor and self-manage KPIs set
• identify high-potential prospective users and use effective
• build and execute on a pipeline of leading enterprise E-commerce merchants in the UK
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• manage and develop relationships with both existing and new brokers in the region
• identify best practices for refining the company’s lead-generation playbook
• promotion of company services across personal and professional networks
• business development within the defined geographic region across sectors and assets in line with the strategy of the business
• working closely with the Head of Sales and Customer Success to help build out and optimise the business development function
• ensuring sales strategy and the target is met by working closely with the VP of Sales
• work closely with Credit and Operations colleagues to ensure all broker requests are managed efficiently, resulting in a seamless experience
• support by marketing, develop 'think out the box’ content which resonates with the target audiences
• manage existing client relationships in line with rigorous account management plans which deliver agreed profitability targets
• build and maintain relationships with key dealers, introducers, customers, and relevant suppliers
• this includes collaborating with marketing and coaching other business development managers
• working collaboratively with other team members and company owners in order to successfully close deals
• generate new leads and build relationships by nurturing warm prospects and finding potential new sales opportunities
• pitching to high level C-Suite confidently and regularly
• in future, there may be scope to manage and further build out the team
• work closely with the Credit/Compliance, Operations, Marketing, and Product teams to maximise growth
• work as part of a regional team reporting to the Regional Director
• about You
• managing and reporting of pipeline in an efficient and professional manner to the Regional Manager
• manage longer deal cycle 6-12 months, being able to build and maintain strong relationships with C- Suite members along the way
• pro-actively maintaining your pipeline
• ensuring we keep an updated database of leads and opportunities in CRM and KPI reports
• demonstrate an awareness of competitor activity and market developments and feeding these back as required
• experience within the Real Estate Finance sector, to include presentation of Commercial Mortgage and Buy To Let Applications
• identify the needs of prospects and suggest appropriate products
• completing all necessary Credit Papers pursuant to the processing of proposals in a timely, accurate and professional manner
• lead workshops and work collaboratively with key customers to identify customer needs and match them with the offering throughout their lifecycle
• this will be done through face to face meetings, virtual consultations, and trade shows
• you will be responsible for maintaining and driving your introducer network
• running large campaigns using lead generation tools such as LinkedIn Sales Navigator and partnering with the marketing and lead generation teams
• A detailed understanding of banking credit processes
• proactively seek new business opportunities in the market
• structure and present credit submissions by working collaboratively with the key areas of the business
• to be the main point of contact between potential merchants and the company, managing the relationship of the customer journey from initial conversation to onboarding of the merchant
• any other ad-hoc duties as required by the Regional Manager or members of the Management Team
• work closely with onboarding team to ensure successful sign up
• you will be required to travel throughout the UK at times
• you will keep up to date with innovations and trends within the FinTech and SME industries and attend regular networking events

Requirements

• banking
• business Development
• deal Closure
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• commercial Mortgages
• field Sales
• credit Analysis
• leasing
• real Estate Transactions
• relationship Management
• sales
• building Relationships
• commercial Leasing
• existing network of contacts at decision making level across a range of industries
• new Leads
• excellent written and verbal communication skills
• your track record of success in Business Development/Sales area within the payments/ecommerce industry
• strong verbal and written communication skills
• A solution-driven problem solver with a creative mindset
• previous asset finance sales experience within a highly targeted sales led organisation
• detailed and rigorous approach to building a targeted prospect list, developing a strong pipeline and managing an effective sales process
• minimum of 3 years working in the payments space
• strong awareness of Industry Sector and regulations

Earnings for position business development manager

Responsibility

• strong decision maker able to deliver credit decisions to delegated authority limits within the agreed SLA
• assess, authorise and monitor lending within delegated discretions, which can be up to a maximum £2m solely
• underwriting new applications from start to finish, in line with our lending policies
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• work within company Credit Policy, ensuring consistent and robust decisions are made. Recommend any changes to policy for future improvements
• keeping in regular contact with our brokers, solicitors, and valuers to ensure the best possible service levels
• renewal invitations or requests for additional supporting information to be received by partners at least 6 weeks prior to renewal date
• work with colleagues to implement Board and Committee decisions whilst making valuable individual contribution as a member of the team
• good commercial awareness and knowledge of external market to adapt risk appetite accordingly
• ensure SLA standards are achieved and that an effective and efficient service is provided to Relationship Managers
• constant risk assessment of each case as it develops
• maintains active watch over portfolio performance & awareness of market trends
• ability to assess financial information and make assessments of ability to repay credit applications
• contribute to the regular review of Credit Policies, Procedures and Service Level Agreements
• sign off cases with our credit team explaining the risks and creditworthiness of the borrower
• review customer credit reports, the internet, balance sheets, accounts, and cash flow models to assess risk levels and underwrite appropriately
• able to liaise with key customers
• provide credit analysis and recommendations to higher mandate holders
• review updating reports and authorise waiver requests submitted by the Lending Administration Team
• requesting funding for cases nearing completion
• communication with partners ensuring that relevant information is obtained to aid the underwriting process
• ensure that appropriate level of information is recorded regarding credit decisions for audit purposes
• provide guidance on lending related issues to Relationship Managers and assist in their lending training
• regularly update the internal team of pipeline work and case progression
• maintain and enhance business quality taking into account PCL’s ongoing relationship with partners and the need to maximise business potential
• monitor default activity, and if required, participate in recoveries cases for the Bank
• when required, coaching of less experienced colleagues in the Risk Team
• ensure departmental administration, files, records and diary systems are managed effectively and kept up to date
• constant review on efficiencies in policy and processes whilst maintaining the highest possible standards
• timely and accurate underwriting decisions within a higher level delegated authority and recommendations to senior management and Transactional Credit Committee where outside of personal mandate
• underwrite cases within individual mandate with reference to the Credit Procedure Manual and ensure cases are underwritten efficiently and comply with the appropriate procedures and completed within the published timescales
• implement the credit lending strategy of the Bank in line with the Board’s risk appetite, credit risk policies, and corporate governance, ensure the Board’s expectations for levels of professional conduct and integrity and ethical values are respected throughout Credit Risk, promote good behaviour and setting an example in this regard
• liaise with sales, sales support, distributors and brokers as necessary to optimise the customer experience
• participating in the underwriting of renewals in line with the service commitments to the partner population as defined by the Trading Agreement
• develop and maintain excellent relationships with colleagues outside of the Risk Team
• maintain robust lending standards and practice, including compliance with industry guidelines and statutory regulations requirements such as customer affordability, PRA/FCA’s Statements of Principles, treating customers fairly, anti-money laundering and data protection
• adherence to personal and team based KPIs
• prepare comprehensive financial analysis identifying all material financial and other risks and opportunities in order to arrive at a balanced and informed recommendation
• assess and monitor lending propositions outside own lending discretion, typically with deal sizes up to a maximum £6.0m, and present recommendations to senior colleagues
• continuously look for improvements in the underwriting process to maximise partner / Sales relationship and manage with loss ratio parameters
• participate in ongoing personal development to deliver on business/personal objectives
• undertakes all appropriate diligence in respect of transactions, including reference to relevant bureaus, referencing agencies & other external sources ensuring alignment to the Bank’s risk policies
• pro-active contact with introducers to deliver commercial solutions for the customer which fit within our business’s lending appetite
• working to deadlines and prioritising workflow
• participating in the analysis and preparation of large value cases outside of individual mandate level, providing a recommendation to the higher-level approval authority
• assist Underwriting Manager with day-to-day tasks
• exercise a personal sanctioning authority with diligence and care ensuring file records/risk reports include the degree of risk involved in extending credit with clear, concise, and rational recommendations for the credit decision and prepare papers for those transactions requiring higher authority decisioning, e.g., a Credit Committee lending decision
• operate within Time Finance plc’s data protection policies and procedures
• review existing transactions periodically to include the evaluation of payment history, purchase activity, credit reference agency reports, security analysis, market / distributor intelligence and prepare recommendations for the renewal of internal credit ratings / facilities
• operate within Time Finance plc’s compliance policies as relevant to the role
• ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and/or credit limit issued, that all documentation has been obtained, any conditionality satisfied, and any security requirement properly executed and recorded
• other such duties and responsibilities as may reasonably be required from time to time
• operate within Time Finance plc’s HR policies and company handbook

Requirements

• assets
• credit
• finance
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• financial Analysis
• underwriting
• demonstrates the competencies for the role
• minimum 10 years’ experience within a credit role in financial services
• A self-starter who is motivated, enthusiastic, and proactive with a strong work ethic and a flexible attitude
• extensive experience in underwriting asset finance proposals with detailed knowledge of various asset types
• previously held a lending discretion in real estate, general trading or similar
• minimum 2 years bridging/specialist finance underwriting experience
• at least 2 years of credit underwriting experience
• sound understanding of the industry and competitor knowledge
• excellent interpersonal and communication skills with an ability to operate effectively on Committees
• fundamental knowledge of accountancy and financial analysis of SME’s and corporates
• experience of manually underwriting deals in the Commercial space
• CMAP qualified is ideal but not necessary
• ability to cope with large volumes
• good understanding of regulatory requirements
• demonstrable ability to understand value across a range of hard and soft assets
• great communication skills
• demonstrable understanding of reading audited and unaudited balance sheets, cash flow statements and other company financial reports
• high attention to detail
• understanding of risk appetite and risk management frameworks
• well-developed relationship building skills
• highly numerate
• good analytical skills
• an understanding of compliance and banking regulations including Conduct Risk and how to deliver fair customer outcomes
• the willingness, aptitude and gravitas to be a key member of a growing business
• understanding of the regulatory requirements
• accuracy and attention to detail
• ability to use appropriate Lending systems and knowledge of Credit Reference Agencies products
• from a credit perspective, lending experience of SME and corporate clients
• thrive in an expanding and changing environment
• ability to clearly and concisely summarise proposals and associated financial analysis
• understanding of regulatory governance and ensuring compliance with lending and credit policies
• A team oriented and collaborative approach
• A knowledge of Credit Risk and Lending in the Banking Industry and/or knowledge of the Agricultural sector, the various product offerings, types of funding facilities available, and security procedures
• ability to work independently in taking a pragmatic approach to underwrite within parameters of credit policy; appreciation of when escalation / guidance is required

Earnings for position underwriter

Responsibility

• manage processes and reporting of the direct sales teams KPIs to the relevant departments
• identifying emerging issues and looking into potential solutions
• defining, delivering, and adapting specialised products and services to meet customer needs; electing the best possible approaches available within established systems
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• aligning with the sales strategy to ensure growth is in line with the sales forecast
• hold disciplinary responsibilities for the Industry Finance team
• delivering prescribed outcomes for your designated area, using risk management systems to ensure the organisation is not exposed to undue risks
• creating innovative ideas to reduce SLA times including specialist projects
• managing communication and share of best practices from the wider company Group
• managing ROI and Reporting from various events and marketing activity
• helping the CCO and VP Sales with all aspects of sales management
• working closely with direct reports to implement business plans, KPI’s and marketing content and campaigns for the area territories and customers
• proactive contribution to P&L, provision of accurate forecasting and delivery of channel budgetary objectives, including sales targets and productivity metrics
• you’ll be an excellent people manager, able to implement processes with rigour and meticulous attention to detail through digital tools, targeted activity, and measurable results
• ensuring key departments in the division and wider organisation have the correct process to follow into sales - Finance, Marketing, Operations and Credit Risk
• responsible for human resource management activities such as the maintenance of proper staffing levels, attainment of desired associate retention rates, harmonious associate relations, monitoring performance management plans, and incorporating excellent associate communication channels
• generating new opportunities by growing relationships with customers to ensure their needs are met. This may involve supervising an account management team
• manage the implementation and proper execution of Career Development and succession plans to ensure that career path opportunities are communicated to sales personnel as well as building for future strength
• feedback results, analysis and recommendations to the Sales Management team
• using a coaching style, establish and develop a field sales team that is well trained, motivated and deployed against a clear plan
• collaborate with other functional role holders (e.g
• lead all sales activities in the office, brief the team on all major developments and goals in sales meetings and frequent interactions on and off the sales floor
• working closely with the VP of Sales to identify any roadblocks or issues that are affecting sales targets and working on solutions

Requirements

• asset
• account Management
• business Development
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• account Manager
• business Planning
• finance Team
• management
• sales Management
• min. 2 years working with an acquirer preferably in an operational, project management, or support role
• asset Based Finance
• strong understanding of the customer journey and all of the stages an application has to go through to live transactions
• monitoring Performance
• ability to create documentation on process and best practice
• experience in working with multiple stakeholders within a payment organisation
• successful, proven experience in high value, B2B strategic relationship management
• excellent customer-first mindset and commercial acumen, with the ability to nurture relationships
• be recognised as an individual with strong leadership skills, professionalism and business planning capability
• highly developed communication and negotiation skills which are commercially focused and can be evidenced
• strong communication and organisational skills
• extremely customer focused and able to build credibility with stakeholders whilst progressing opportunities and removing barriers to sale
• ability to operate independently but with the support of the wider business
• ability to work independently and autonomously and interact and operate excellently within a small team of experts distributed throughout Europe
• strong knowledge of Credit and Risk with the ability to influence internally and support with structures and propositions
• comfortable taking ownership and accountability for decision making within the governance and operational frameworks
• financial services experience would be preferable
• self-starter - highly motivated and leads from the front
• results driven and detail orientated
• proven Sales and Sales Management experience within industry, with a proven ability to manage and develop a high performing Sales Team virtually or actually
• knowledge of competitors in a specific segment or geography and know their positioning and current strengths/weakness and be able to benchmark

Earnings for position sales manager

Responsibility

• management & administration of finance applications
• responsible for converting warm leads which are coming into the business via brokers, partners and marketing activities
• check correct information has been received from all clients and brokers
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• on-boarding prospective SME loan applications
• speaking to prospect customers explaining the product and how it can help their business
• follow up with BFS if any documents missing, which may include following up with client to collate where appropriate
• follow up with any documents missing, which may include following up with clients to collate info
• analysing information to identify clients initial eligibility
• collating all documentation from customers to ensure a smooth customer journey In the application process
• update information on CRM and upload documents
• building strong relationships with customers and offering great customer service
• review application to help determine quality and likely lenders to send it to
• packaging up and presenting information to the Credit Team - creating great opportunity to learn more around risk and analytics
• place application with lenders
• liaise with customers to obtaining additional information required post credit analysis
• follow up & chase lenders where required
• work as a crucial part of the sales and commercial team to ensure new customer are being onboarded, growing portfolio and increasing brand awareness
• informing customers and brokers if their applications have been accepted or rejected
• liaise, update and work closely with wider leadership team to continue to develop
• carrying out various "loan closing" activities on customers approved for a loan
• suggest changes and improvements to help the sales process
• work with the wider BD team to create good brand in the market e.g. attending trade shows/ networking events
• attend trade shows within the team
• review application to help determine quality and likely lenders to send it to, or suggest to decline based on data vs lender criteria
• liaising with customers and brokers to ensure all relevant documents and information are collected for the credit analysis team to look at the deal

Requirements

• strong communication skills as big part of the role will be liaising with internal and external stakeholders
• attention to detail. Since the role is mainly "back-office", you must be enjoy focussing on process
• confident/ proactive mindset, my client is start up business so using your initiative is key to add value
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• ideally SME lending experience, fintech background or strong financial serviced knowledge
• outgoing personality, and engaging phone manner
• organised as you will be responsible for ensuring deadlines on deals
• confident in talking to customers, being helpful and building a great representation of the brand
• proven performer
• team player, as you will work closely in a highly intensive and stimulating environment
• shown ingenuity that has helped become a top performer
• resilient and able to manage many different tasks
• ability to quickly adapt as the company evolves through test & learn
• desire to get stuck in and learn as will help you progress quickly
• self-believing and enterprising
• A strong work ethic
• confident and proactive mindset, my client is start up business so using your initiative is key to add value to wider business

Earnings for position sales support executive