Development Finance Restructuring Director Shawbrook Commercial Risk London GB Published on Ap
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 bank/s capital within a culture that pursues the delivery of good customer outcomes.Support Development Finance teams 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 ResponsibilitiesTo act as the subject matter expert for Credit Risk and business turnaround within Development Finance, engaging with all stakeholders to support the achievement of the Divisional objectives.Strategic planning to continually and develop the function to fit with the changing and growing nature of the businesses.Provide support to the Development Finance 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.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 execution.Ownership of the maintenance and reporting of Watchlist, including appropriate Watchlist status and provisions allocated.Management of NPL/Recoveries casesManagement of provisionCase study assessment to identify lessons learnt for enhancement of either individual skills/knowledge or process/procedures/policy.Report and present on the Credit Risk activities to all relevant Committees.To support the Head of Structured Lending Restructuring in setting, and monitoring, appropriate Credit Risk appetite metrics .Providing support, education and training to staff on risk related issues.The PersonDegree/MBA or similar business qualification or equivalent work experience appropriate to the roleProven experience in Development Finance & Problem Loan Management.Deep and broad business and financial acumenTechnical/Specialist Knowledge & SkillsSignificant industry knowledge in the Development Finance market including a deep understanding of lending practices in that sector, structures, risks, covenant requirements, pricing and competition.Excellent customer service, presentation and negotiation skillsExperience 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 industryExtensive 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.Construction industry experience preferable.
Strong customer/intermediary and market insightInterpersonalAbility 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 expectationsStrong 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 successAbility to prioritise and manage multiple business needs and projects.Creativity and innovationResults orientated, holds self- accountableThe OpportunityShawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver.
We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal.
Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally.We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.The business model we have created is unique and difficult to replicate, with our /best of both/ approach combining deep human expertise with advanced digital, tech and data capabilities.
This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale.We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.
If you/re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you/re our kind of person.Work with us because you:Want to be part of a bank built for the dynamics of the modern worldRelish a challenge and enjoy a fast-paced, innovative and hardworking cultureEnjoy finding new and better ways to solve complexity and make things happenWant to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groupsCare about society and the environment and want to be part of a business that cares tooWant to continue to grow professionally and be the best version of yourselfRewardYour 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.
- Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and healthCycle to work schemeDiscounts on gym membershipContributory pension scheme & death in serviceYour Lifestyle
- It/s important you strike the right balance between your work and personal life.
- 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 successProudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done