Associate Director - Financial Sponsors, Portfolio Management

Job Description

To contribute in developing, building and managing Structured Finance (“SF”) lending activity for Shawbrook and achieve targeted levels of profitability, return on capital, and APE Growth.

To work alongside Directors taking a lead role in the management of in-life credit processes ensuring high levels of credit quality is maintained alongside operating to high standards of risk management generally across SF including operational and reputational as well as credit.

Responsible for managing existing clients, portfolio monitoring, risk reporting and analysis, stress testing, and analysis of transactions, portfolio risk management and providing support on new initiatives of the team.

Key Responsibilities

To lead on all aspects of the in-life management of the Financial Sponsors portfolio. You will be required to work collaboratively as part of a team, to ensure all client relationships are managed in accordance with the principles of the SF business model, procedures and best practice.

Deal Execution

To lead the the end-to-end credit process including but not limited to: i) preparation of credit submissions; ii) presenting transactions to credit committee; iii) negotiating with clients and sponsors; and iv) preparation of legal documentation. Candidates contribution would span across all areas of the credit spectrum including but not limited to facility amendments (e.g. facility increases), covenant waivers / resets and in-life M&A activity.

Portfolio Monitoring / Servicing / Reporting

Post new deal execution, the candidate will be required to actively support in the management of ongoing exposures across a variety of Financial Sponsor Clients. Management of credit stewardship are key parts of this role and include:

• Diligently monitoring the performance of counterparties ensuring monitoring trackers and call reports are promptly updated post receipt of monthly MI.
• Analysing complex financial information, including statutory accounts; management accounts (incorporating cash flow analysis), budgets and forecasts (including sensitivity analysis) and Financial Due Diligence reports.
• Undertake covenant calculations and undertaking look forward modelling and using these, combined with overall financial analysis to identify concerning trends.
• Undertaking credit grading analysis and completing pricing models to help ensure the correct balance of risk and reward is maintained across the portfolio.
• Take ownership in the preparation of Annual Reviews / in-life Credit Requests.
• To take a lead role in managing amendments, restructures, and facility enhancements; and to be alert for new business / expansion opportunities with existing customers.
• To actively communicate and escalate potential risks in a prompt and effective manner, including EWIs and Watch triggers.
• Ensure accuracy and integrity of data and records as well as detecting errors.
• Consider market, macroeconomic and regulatory impacts on the portfolio and promptly flag any risks.
• Participate in rolling out new strategic initiatives for Structured Finance, including compliance, regulatory and risk management oversight, and attend relevant industry event

Client Management

• To take a lead role in liaising with clients to deliver excellent customer service and added value. Attend client visits as required, drafting agendas and visit reports. Help to develop and maintain strong, multi-layered relationships with clients at operational and board level, maximizing client life and retention. Act as a key point of contact for clients and other internal departments.

Stakeholder Management

• To liaise effectively with the other parts of the Shawbrook Group who play their part in the Financial Sponsors output, including Operations, Credit, Finance and Corporate Banking.

Team Management:

• Support with the mentoring of junior staff on the deliverables of the Portfolio Management team. To relate effectively to the other parts of the Shawbrook group who play their part in the Structured Finance team output, i.e. Operations, Credit, HR, Finance, etc.

Regulatory & Compliance

• To report all issues of regulatory concern to the Operations Director / Bank Legal & Compliance Director. To communicate and escalate potential issues/risks in a prompt and effective manner. To provide support in managing the overall compliance and risk management framework of SF.

Qualifications

Skills & Experience

Technical / Specialist Knowledge & Skills

• Proven experience in structuring, executing lending transactions and /or portfolio management.
• Strong analytical skills, including advanced knowledge of Excel. Experience with financial models and good understanding of financial statements is beneficial.
• Industry knowledge in the general finance market desirable, including a good understanding of lending practices and credit processes.
• In-depth knowledge of cash flow lending transactions, including familiarity with structuring, managing credit risk and legal documentation.
• Strong customer service, presentation and negotiation skills.
• Good commercial, financial acumen and capability in strategic thinking.

Interpersonal:

• Confident and ambitious with good teamworking skills, combined with being able to interact within a fast-paced entrepreneurial environment.
• Excellent interpersonal skills with the ability to quickly build rapport in order to engage colleagues and gain support of peers.
• Influencing skills and the ability to communicate effectively both orally and in writing.
• Support the development of a strong balanced and effective team by conveying clear goals and expectations.
• High levels of drive, energy and personal commitment to success.
• Ability to package and present ideas in a persuasive manner.
• Ability to prioritise and manage multiple projects.
• Demonstrates sound business judgement.
• Results orientated, holds self-accountable.

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done