Commercial Banking - Senior Commercial Banker, Trading (South Coast)

With a focus on the South Coast region, the main responsibilities of this are to:

• Offer a sophisticated Commercial Banking service that caters to the unique needs of owner managed independent businesses, with an expected target client value of £3m to £20m (but not limited to this amount)
• Develop and enhance relationships with both new to bank and existing HNW clients’ owner managed independent businesses
• Provide effective lending and deposit solutions to meet the needs of such clients, building a profitable and sustainable portfolio which contributes positively to both sides of the AL commercial balance sheet
• Work professionally and proactively to represent the Bank both externally and internally
• Work closely with Private Bankers to encourage internal networks for the referral of business

To place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers and to comply with the FCA and PRA's Conduct Rules.

Key Responsibilities:

• Primary relationship management responsibility for a discrete portfolio of more complex commercial clients, serving as their strategic partner in the bank and acting as a gateway to other products and services.
• Meet demanding new business development targets and ensure unwavering commitment to service excellence
• Manage a high value and complex portfolio of both assets and liabilities (including the management of a loan book) with particular focus on its impact on the P&L and Balance Sheet
• Develop and present business cases and initiate credit proposals that are complex, in-depth and large in value to meet your clients’ needs
• Overall responsibility for your own risk and regulatory performance as a senior member of the banking team, including the client acquisition process
• Manage and develop an extensive network of external business relationships and introducers to acquire, develop and service SME clients
• Work proactively with the Director, Commercial Banking to develop a strategic business plan for your area, including support in the development of less experienced Relationship Managers and Support staff

Risk:

Responsible for managing risks inherent to the role by diligently observing internal policies and procedures.

Key Interfaces:

• Clients - and their representatives and advisers
• Banking team - both locally and across the wider Commercial Banking business
• Team Leader
• Back Office departments - including working closely with Credit, Compliance, Portfolio Control and the Operations departments

Person Specification

Knowledge / Experience/Skills:

• You will have a successful background in commercial banking and detailed knowledge of the commercial market in which you operate
• Significant commercial banking experience dealing with owner managed independent businesses
• Proven track record in developing new business and growing a portfolio of high quality commercial clients
• Fulfil the responsibilities required under the FCA’s Senior Manager and Certification Regimes, and Conduct Rules – the role will be a Certified Person under Regulatory rules.
• Excellent interpersonal skills including networking, negotiation, presentation, influencing and collaboration
• Excellent business development skills
• Excellent risk analysis and credit report writing skills, incorporating the ability to present effectively to Credit Committee in a way that inspires confidence and credibility
• Competence with Microsoft Office, including Word, Excel and PowerPoint

Qualifications:

Preferred: banking qualifications ACIB/Chartered Banker or equivalent