Act as Relationship Manager for a portfolio of customers, including those subject to insolvency proceedings or recovery plans, maintaining contact with customers and their advisers by phone, letter and face-to-face meetings.
Develop and implement recovery, restructuring and/or work-out strategies, secure borrower agreement and apply appropriate forbearance concessions for Vulnerable Customers and debt restructuring.
Ensure Treating Customers Fairly (TCF) principles and fair customer outcomes are central to SAM strategy-setting and ongoing portfolio management.
Monitor the SAM portfolio, keep Senior Management informed of adverse developments and manage reputational risk during recovery action in collaboration with Market Communications.
Support Business Banking Relationship Managers in pre-default cases to avoid default where possible or bring the situation swiftly under control, and conduct credit reviews of existing borrowing.
Report on the performance of the B&D loan portfolio, identifying adverse movements and excesses, and manage the receipt, analysis and recording of financial and operational data from borrowers in the Bank’s operating system.
Deputise for the Credit Manager and assist with their portfolio as required, while supporting the Credit Analysis function to ensure SLAs are met.
Support the Head of Credit Risk and Senior Credit Relationship Manager with analysis of the SAM book and wider credit position, while complying with regulatory obligations and internal governance, delivering good customer outcomes and undertaking any other work required from time to time.
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