Application Deadline: Tuesday 21st January 2025

Hybrid Working Pattern - 3 days in Office & 2 WFH

About us

Cynergy Bank is the UK’s human digital bank serving the needs of ‘scale up’ or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals, in essence those market segments that still value human service enabled by great technology.

We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their interdependent banking needs. We provide a comprehensive range of digitally enabled products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers.

Our human and digital model transforms banking for customers who still value a face-to-face relationship that is enabled by the latest digital technology.

We partner with firms such as Google Cloud, Cigniti and Slalom as we continue to innovate in the human digital space.

Cynergy Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits with Cynergy Bank plc are protected by the UK Financial Services Compensation Scheme.

For more information on Cynergy Bank visit www.cynergybank.co.uk

Company Benefits

• Competitive Salary and Company Bonus
• Competitive holiday allowance plus bank holidays
• Option to purchase an additional 10 days holiday
• Pension contribution and Life Assurance
• Income Protection Scheme and Season Ticket Loan
• Medical Cover (After Probation)
• Electric Car Scheme and Money Coach (After Probation)

Responsibilities:

• Conduct the assessment of senior debt lending requests secured by Real Estate, across debt products including: property investment, property development, bridging, wholesale funding, healthcare & hospitality.

• Supporting our Frontline Bankers in structuring and executing complex transactions.

• Safely utilising a personal delegated lending authority.

• Presenting requests to Banks Executive Credit Committee.

• Capability to become a voter on the Banks Executive Credit Committee.

• Positively participating as a member of the Banks Credit Watchlist Committee.

• Positively participating as a member of the Banks Business Support & Recoveries Committee.

• Reviewing & Approving Valuation Reports.

• Completing 2^nd Line reviews of subsectors of the Banks loan portfolio highlighting any areas of risk, recommending suitable remedial action plans

• Analysis of Management Information, Annual Accounts & Compliance Certificates.

• Act as a subject matter expert across all areas of credit underwriting and effective portfolio management.

• Lead and participate in projects to improve loan underwriting sanctioning and credit management processes & policies.

• Assist with providing clarifications over all policy-related matters and proposing process improvements where necessary.

• Maintain a close relationship with the business unit teams.

• Support the Head of Underwriting in any ad hoc queries or projects as they arise.

• Keep up-to-date with all relevant legal and regulatory developments across sectors.

Essential Knowledge & Experience:

• Previous general Banking experience including specific approving of Credit in a second line of defence role for 5+ years within a recognised UK financial institution.
• Previous experience of a broad range of real estate led business sectors.
• Good knowledge of risk oversight and assurance assessments, processes, and reporting.
• Strong knowledge of real estate, mid-market corporate credit underwriting and financial analysis.
• Robust Credit reporting experience.
• Competent user of Microsoft Excel, Word and PowerPoint.
• A sustained and recent track record of approving lending requests under an allocated Delegated Authority.
• Experience across the entire debt lifecycle, including distressed debt/restructuring would be advantageous.
• Risk and/or governance responsibilities
• Knowledge of some/all of Basel accords, Forbearance, Credit Risk Regulations and IFRS9 reporting requirements
• Deep knowledge of the regulatory environment

Desirable knowledge & Experience:

• Educated to degree level/relevant professional qualification and/or able to demonstrate suitable level of experience through being a high performing banker with recent and deep real estate finance experience and capability.

Behavioural Attributes:

• Managing and positively influencing senior stakeholders.

• Manage self and others effectively.

• Multi tasking and time management.

• Strong interpersonal skills with the ability to work across teams.
• Experience of working in a fast-paced environment that requires quick decision making.