Relationship Manager (Loans)

For over two decades, Social Investment Business has provided finance and support to charities and social enterprises. We empower these organisations to do what they do best - serve the communities they operate within. 

For further inforation on what we do, our values and our generous beneifts please visit our website.

Our values are: People First, Curious, Bold, Collaborative, Accountable

About this role:

Reporting to the Head of Credit Risk and Portfolio Management this role plays an important part in the provision of loans and blended funding (loans and grants) to our charity and social enterprise customers.

We are looking for someone who has previous experience of lending, relationship management and managing a portfolio of business/organisation loan customers. This is a great opportunity for someone to be involved in making a difference to people.  We need someone who is passionate, proactive, can work well autonomously and as part of a team and is flexible, adaptable and can manage competing priorities.

Members of the investment team are based in different regions across England.  This role will primarily manage customers within London, the West of England, South of England and South West of England, although some customers may be located right across the UK. Regular customer visits will be a requirement of the role as well as in person team meetings. We are looking for applicants based in London or the area to the West or South West of London (within circa 2 hours travel time from London) to ensure you are able to easily reach customers across these regions.

 Key responsibilities

Relationship Management

1.       Responsible for managing a portfolio of SIBs smaller investments (loans and grants) and acting as the primary point of contact for all communications with those customers.

2.       Build and maintain strong working relationships with all investees within your portfolio, arranging in-person visits and/or video meetings on a regular basis and when otherwise needed.

3.       Collect, review and report on monitoring information from loans/grants recipients which is predominatly financial information (management accounts, annual accounts and  forecasts) and social impact progression.

4.       Ensure scheduled loan repayments due from investees are received in line with agreed schedules and take action where not received.

5.       Proactively identify emerging support needs and recommend methods to address these, including sources of external advice/support.

6.       Discuss potential variations to the terms of loans or grants with investees and prepare and submit loan variation recommendations to internal committees including the SIB Investment Committee, including challenging situations where the customer is in default or financail distress.

7.       Undertake assessments of new loans and develop relationship to orginate new loan applications.

8.       Undertake AML/KYC, eligibility and fraud checks on new borrowers.

9.       Drawing up loan and security documentation where required.

10.    Arrange drawdown and disbursements of funding.

11.    Generate new SIB customers through referrals from customers within your portfolio and your own professional networks.

General

12.    Support and/or lead on relevant investment team projects as and when required.

13.    Take enquiries from and provide guidance to applicants on all SIB funds.

14.    Provide constructive suggestions to improve ongoing processes and input into the design and development of new products.

15. To work within the organisation's values, principles and processes to achieve operational excellence.

 

16. To adopt our continuous improvement and learning ethos.

 

17. To support and embed equality, diversity and inclusion into day-to-day behaviours and activities within your role as well as contributing more widely across SIB’s commitment to E, D & I.

 

18. To support and contribute to the implementation and delivery of SIB’s strategy.

19. In agreement with manager to undertake other tasks and work on cross team projects that support the objectives of SIB as required.

Core competencies

·       Experience of managing or working with a portfolio of business/organisation loan customers.

·       Ability to analyse and make objective judgements based upon complex written and financial information.

·       Previous experience of assessing loan applications.

·       Experience of interpreting and understanding data on Microsoft Excel.

·       Credit assessment training or a good understanding of company financial accounts.

·       Good negotiating, influencing and problem solving skill.

·       Excellent written and oral communication skills that can be adapted for a variety of  audiences.

·       A team player who enjoys working in collaboration with other people.

·       Ability to work using own initiative, manage own workload, be a self-motivator and work remotely.

·       A passion to help financially viable charities and social enterprises access funding.

·       Commitment to equalities and customer care.

·       Commitment to quality, diversity & inclusion, and customers.

·       Excellent communication skills.

·       Team player with the ability to work independently.

Desirable competencies

·        Knowledge of the voluntary, community, and social enterprise sector.

·       Capital project experience