Portfolio Jobs

About Allica bank

Allica is the UK’s fastest growing company - and the fastest-growing financial technology (fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.

Role Description

Reporting to the Senior Central Team Manager, you will be responsible for nurturing a portfolio of remotely managed SMEs onboarded through our client acquisition outreach activity In addition to looking after your own customers, you will also have line management responsibility for a small team of Central Relationship Managers based in Milton Keynes and London.

As a bank built solely to support the needs of established SMEs, we are committed to helping businesses achieve their ambitions through our range of growing banking products and solutions, with the provision of lending having been a core part of our offering since day one. As our customer and lending book continues to grow, we are passionate about helping our customers to access proactive banking services. As our Relationship Teams continue to grow this has led to us launching this newly formed role as we look to continue on our journey to become the UK’s most recommended bank for established SME’s. First and foremost, though this is a relationship driven role, and so we are seeking candidates comfortable to engage and build rapport with business owners, passionate and curious to understand their business plans and ambitions and how Allica can support their aspirations

Principal Accountabilities

• Able to travel Frequently to Milton Keynes or London.
• Successfully remote relationship managing a portfolio of established SME businesses, providing secured lending including commercial mortgages and asset finance, as well as current accounts and deposit facilities. The Allica product offering will continue to widen over time as we further grow.
• Proactive Credit risk management of your portfolio, including using data alerts and insight to identify early warning indicators and support with further advances where required.
• Working closely with business owners to support their plans and ambitions through originating new lending opportunities from initial enquiry to completion, including assessing and proposing credit papers inline with Allicas credit policies and appetite.
• Leading and developing a small team of relationship managers, providing coaching and support. This will include regular performance reviews and intervention where appropriate.
• Communicating and tracking key objectives within your portfolio and your team to ensure high levels of service and customer outcomes.
• Actively managing your own objectives and personal development plan, supporting the Senior Central Relationship Manager with the delivery of the team goals and ambitions.
• You will be able to evidence the ability to work independently when supporting established SMEs with their requirements, and also the ability to coach others.
• Working closely and collaboratively with varying teams across Allica Bank to ensure a seamless and professional service is always provided.

Personal Attributes & Experience

• A deep passion for supporting and helping established SME’s to grow and achieve their ambitions.
• A self starter, organised and able to be flexible in a fast paced environment.
• A highly capable relationship builder, with a history of delivering support for SME’s through the provision of financing, deposit facilities and banking services.
• You will have strong credit skills, including the ability to build a deep understanding of a business plans, analyse their financial accounts and propose a suitable structure that helps them with their goals whilst mitigating identified risks.
• You can demonstrate a strong understanding of SME banking, including a well founded knowledge of commercial lending and securities.
• The ability to deliver against challenging personal goals whilst also supporting a team to do the same.
• A background in generating and unlocking new opportunities from an existing portfolio of clients as well as attracting new clients to the bank.

Working at Allica Bank

At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.

Our employees are at the heart of everything we do, so our benefits are designed with you in mind:

• Full onboarding support and continued development opportunities
• Options for flexible working
• Regular social activities
• 25 days holiday – with the option to Buy/Sell
• Pension contributions
• Discretionary bonus scheme
• Private health cover (with the option to add family members)
• Life assurance
• Income Protection
• Family friendly policies including enhanced Maternity & Paternity leave
• Season ticket loans

Don’t tick every box?

Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!

Flexible working

We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.

Diversity

We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.