Application Deadline: Wednesday 20th November 2024
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 mid-market general corporate senior debt facilities with experience in Property Finance (Investment & Development), Healthcare & Hospitality and Wholesale Funding (such as Loan on Loan/Loan Warehousing).
* Support the application of effective credit risk management standards through the implementation of agreed business wide and departmental policies and procedures.
* Lead and participate in projects to improve loan 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 defense role.
* Previous experience of a broad range of commercial business sectors.
* Good knowledge of risk oversight and assurance assessments, processes, and reporting.
* Strong knowledge of real estate, mid-market corporate business credit risk and financial analysis.
* Robust Credit reporting experience.
* Competent user of Microsoft Excel, Word and PowerPoint.
* Sanction lending requests under an allocated DA.
* Experience across the entire credit lifecycle, including distressed debt/restructuring would be advantageous.
* Knowledge of the Basel accords, Credit Risk Regulations and IFRS9 reporting requirements.
* Deep knowledge of the regulatory environment.
Desirable Knowledge & Experience:
* Educated to degree level/relevant professional qualification or able to demonstrate suitable level of experience.
* CeMap qualified / experience of Regulated Mortgage Underwriting would be advantageous.
Behavioural Attributes:
* Ability to communicate complex matters effectively to senior stakeholders.
* Manage workflow of lending proposals to provide timely responses in line with business priorities.
* Strong interpersonal skills with the ability to work across teams.
* Experience of working in a fast-paced environment that requires quick decision making.
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