Senior Relationship Director

What you will do

You will pro-actively maintain a portfolio of complex REF customers and grow the customer base through the acquisition of new complex relationships. ‘Complex’ is defined as those connections where:

• Total group exposure >£10m
• Sector/customer/facility deemed complex against REF benchmark.
• Where the risk profile dictates a closer monitoring regime at the discretion of STB Credit Committee / Head of Risk / MD REF.

Key Responsibilities

• Oversee key sectors/subsectors from an internal and external perspective to manage risk and drive new business.
• Take ownership of important projects/processes to manage risk effectively and drive excellent customer outcomes.
• Deliver a continuous pipeline of new business opportunities through (a) referrals from existing customers (b) re-solicitation of existing customers and (c) developing new high-quality introducers (e.g. professionals/geographically important).
• Accountable for pro-active management (Credit, Financial, Operational, Reputational) of the portfolio from origination, in-life to close-out/repayment in line with company policy and procedures.
• Positively represent and promote the REF proposition in the external market. Maintain and grow an introducer network to support the requirement for new business. Build strong relationships with those sources to support the origination of REF transactions, developing new markets and competitor intelligence.
• Optimise Risk Weighted Assets, liquidity management (e.g. use of variable and fixed rate), Return on equity/profitability of individual deals and the portfolio as a whole through appropriate customer negotiations.
• Comply with REF strategy, risk, regulatory and operational policies.
• Ability to articulate complex new business propositions and annual reviews (Quality credit applications, deal specifics and detailed risk appraisals) to STB Credit Committee.
• Accountable for execution of all Conditions Precedent and Conditions Subsequent as agreed with the Credit sanctioning body.
• Accountable for the completion of detailed analysis of professional panel input as part of the credit application process, including valuations, IMS reports, and legal input.
• Responsible for ensuring the preparation and completion of Customer Due Diligence/Anti-Money Laundering documentation.

What you will bring

• Advanced technical skills and significant experience in the structuring of REF transactions/customer proposals to achieve the best outcomes for customers and the Bank.
• Extensive experience of UK Real Estate Finance within the Financial Services Industry.
• Proven track record in key relationship management and business origination/development.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different, and this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies, and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.