Shawbrook 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 world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

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 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 execution.
• Ownership of the maintenance and reporting of Watchlist, including appropriate Watchlist status and provisions allocated.

• 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 non-financial 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 self-accountable

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