SME Restructuring Director
SME Restructuring Director
Posted on :
24-04-2025
Employer Active
1 Vacancy
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Job Description
Reporting to the Head of Structured Lending Restructuring principal interfaces will be with Commercial Risk Property Risk Collections & Recoveries Group Credit Risk and Managing Directors business divisions within Structured Lending.
- Provide a specialist advisory function with the primary objective to rehabilitate cases showing signs of distress back to live.
- Provides protection of the banks capital within a culture that ensures the delivery of good customer outcomes.
- Support Structured Lending in the management of clients demonstrating early warning signs of distress.
- Maintain a network of external specialist to engage as appropriate to support he turnaround management of clients.
- Actively assist in managing Watchlist cases to ensure proactive management and the appropriate categorisation for Forbearance and Impairment.
Key relationships/interfaces:
- Underwriters
- Originators
- Portfolio Managers.
- Line 1 Risk
- Risk and Impairment Committees.
- Group Credit Risk
Key Responsibilities
- To act as the subject matter expert for Credit Risk and business turnaround within the Divisions engaging with all stakeholders to support the achievement of the Divisional objectives.
- Strategic planning to continually grow and develop the function to fit with the changing and growing nature of the businesses.
- Provide support to the Originators/Portfolio Managers where cases are identified with early warning signs and ensure appropriate action taken.
- To communicate and escalate potential issues/risks in a prompt and effective manner.
- To report all issues of regulatory concern to the Head of Structured Lending Restructuring and the Bank Legal and Compliance Departments.
- Undertake hands on case management either solely or in partnership with the RM/PM where required in the interest of either the bank or the customer.
- Proactive identification of early warning signs in client interaction with Originator/Portfolio Manager.
- Daily reporting of accounts out of order breaching covenants internal or external triggers directed to the Business area with Bus Support oversight of outcomes. Identify client/portfolio/industry triggers either internal or external communicate to Originators/Portfolio Managers and ensure appropriate action taken.
- Assess cases escalated by the business undertake due diligence provide option analysis and agree strategy and tactics case ownership and reporting requirements.
- Define and monitor Watchlist Trigger events aligned to Group Credit Stewardship Reporting and Escalation Policy.
- Responsible for relationship with external data providers for external Trigger events and operational .
- Ownership of the maintenance and reporting of Watchlist including appropriate Watchlist status and provisions allocated.
Qualifications :
- Degree/MBA or similar business qualification or equivalent work experience appropriate to the role
- Proven experience in business finance & Problem Loan Management.
- Deep and broad business and financial acumen
Technical/Specialist Knowledge & Skills
- Significant industry knowledge in the Banking Finance market including a deep understanding of lending practices in that sector structures risks covenant requirements pricing and competition.
- Demonstrable ability to undertake commercial analysis of a business both in terms of financial and nonfinancial aspects.
- Excellent customer service presentation and negotiation skills
- Experience in executive level reporting on strategic initiatives.
- Thorough comprehension of credit risk management credit administration loan production and servicing.
- Proven credit risk management skills including turnaround ability within either banking or finance industry
- Extensive contacts with other Lenders and in the professional community engaged in NPL management.
- Compliance with all regulatory requirements remaining in good standing with regulatory agencies.
- Strong commercial financial acumen and capability in strategic thinking executive level reporting and effective business planning
- Strong customer/intermediary and market insight
Interpersonal
- Ability to work in a changing environment requiring adaptability and flexibility together with the management of people through change.
- Excellent interpersonal skills with the ability to build rapport in order to engage employees and gain support of peers.
- Build a strong balanced and effective team by setting clear goals and expectations
- Strong influencing and assertiveness skills and the ability to communicate effectively both orally and in writing with all levels of management regulators and committees of the Board of Directors.
- High levels of drive energy and personal commitment to success
- Ability to prioritise and manage multiple business needs and projects.
- Creativity and innovation
- Results orientated holds selfaccountable
Additional Information :
Your Wellbeing We take your health and wellbeing 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 Its important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when youre enjoying your leisure time.
- Minimum of 27 days holiday per year
- Option to buy or sell holiday days through our flexiholiday 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 Were 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
Remote Work :
No
Employment Type :
Fulltime
Employment Type
Full-time
Key Skills
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