Portfolio Monitoring Manager

at  DF Capital

OVERVIEW

At DF Capital, we champion banking for ambition. As an award-winning provider of commercial finance and savings, we empower depositors and small businesses with financial solutions tailored to fuel their growth. Headquartered in Manchester, our team of over 100, serves thousands of customers across the UK, transforming savings into new opportunities for businesses to thrive.
We’re passionate about helping our customers succeed. As we expand our retail and commercial lending products, we remain committed to meeting their evolving needs and supporting their ambitions every step of the way.

JOB REQUIREMENTS

At the very heart of every DF Capital employee is a shared identity and belief in what we are and what we do. It’s about how we see ourselves and what is important to us. You will live our brand values. As such you will be an approachable, empathetic problem solver, with exemplary communications skills. You will avoid the use of unnecessary jargon and display an adaptable, “can-do” attitude.
Must possess the required proficiency to perform essential tasks.

You will have experience in and examples of:

• Lending to Commercial customers across a variety of product types.
• Effective decision making through diligent analysis of available information including evaluation of possible alternatives to get the best outcome for the bank and its customers.
• Ability to balance immediate customer needs with the bank’s risk appetite, making decisions under pressure while maintaining a focus on bad debt tolerances.
• Building, improving, and interpreting data sets.
• Detailed statistical analysis, being able to spot, interpret, and articulate to others meaningful information from trends and statistics.
• Writing comprehensive reports including the basis for your recommendations/decisions in accordance with your delegated Mandate.
• You will have excellent attention to detail and be able to work well on your own and as part of a team.
• Ability to engage and build effective working relationships with colleagues across all areas of the business.
• Confidence to articulate findings and recommendations to a broad cross-section of colleagues and influence others to take appropriate actions to address issues found.
• You will have strong verbal and written communication skills.
• You will be flexible and dynamic in your approach to resolving issues.
• You’re independent and well organised with a ‘can do’ attitude.
• You are hardworking and passionate about achieving great results.
• You pitch in and aren’t afraid to get your hands dirty.
• Desire to learn and develop in a fast-paced environment.

THE ROLE

Our Credit & Portfolio team sits at the heart of the business, overseeing all aspects of the customer journey from onboarding to recovery.
You’ll join the DF Capital Credit & Portfolio team with responsibility for scanning the Portfolio of existing Dealers to spot adverse trends, working with other Credit & Portfolio as well as Commercial colleagues to address and resolve any issues identified. You will also be responsible for supporting the onboarding and monitoring of facilities that are non-standard or in trial, such as Wholesale Finance and Invoice Finance. You will be detail-driven, diligent, meticulous, and considered in your approach, spotting, and escalating issues early to drive the best possible outcomes for the Bank and our customers.

RESPONSIBILITIES AND DUTIES

Specifically, you will be responsible for:

• Working with the Management Information team to build, maintain and evolve an effective Dealer-Level and Vendor-Level Early Warning Indication (EWI) suite.
• Using the EWI suite, you will complete comprehensive reviews to identify potential issues at the earliest opportunity.
• You will work with other Portfolio & Credit and Commercial colleagues to agree and execute strategies which further advise and address the issues requiring escalation.
• Using your agreed mandate to provide support to our customers as when required including, but not limit to, forbearance agreements.
• Making recommendations regarding Dealers’ Watch List status, based on the issues identified, and oversee the progress of strategies required to resolve the issues, with a view to returning as many as possible back into the ‘performing’ portfolio in a timely manner.
• Working closely with the Collections & Recoveries Manager to ensure that any Watchlist Dealers that can’t be rehabilitated are placed into Recoveries in the best possible position.
• Advise on the ongoing portfolio risk monitoring of specialist products at the point of origination, implement and maintain the monitoring regime for such facilities, escalating issues as appropriate.
• Deputise for Head of Portfolio Monitoring & Specialist Management and Collections and Recoveries Manager as required.
• Assist with the management of risk around the business via adherence to operational systems and processes at all times.
• Engender a positive and professional working environment that engages customers to ensure customer retention and thus maximise opportunities at all times.