Senior Relationship Manager

The role

The successful appointee will manage a portfolio composed of a mix of straightforward and complex problem and potential problem debt exposures and consensual exit cases for stressed/distressed customer, providing a high level of customer support while protecting the bank's position.

The role holder will provide restructuring knowledge to restructure and rehabilitate customers, supported by more senior and experienced colleagues, as appropriate and provide in-depth expertise, including market knowledge and guidance to support customers and colleagues throughout the consensual exit process.

There will be a requirement to work collaboratively with all stakeholders including colleagues in Coverage and Credit and to build and maintain strong relationships and trust with customers, enabling the delivery of difficult messages, whilst appreciating the sensitivity of customers and an exit case and maintain the highest standards of conduct throughout the restructuring relationship.

The role holder will also assist more experienced colleagues on complex cases to broaden skill-set and widen knowledge in restructuring and exit expertise

About you

You will have:
* Proven ability to motivate self & work as part of a team
* Proficient lending and relationship management skills
* Awareness of customer markets, needs and concerns
* Proven ability to identify key components of a problem and formulate workable solutions
* Knowledge of and a proven ability to apply a variety of negotiation tools and techniques
* Demonstrable high quality relationship management, communication and influencing skills to build excellent customer relationships across a portfolio in a sensitive situations
* Proven ability to identity key issues impacting customers and to formulate straightforward solutions, including the use of appropriate professionals
* Knowledge and ability to apply negotiation tools and techniques
* Understanding of the wider economic, regulatory and commercial environment, and issues affecting RBS including Front Line's key drivers
* Network of professional contacts internal & external
* To be aware of and comply with relevant Group and SRMU Policies.
* To be aware of and follow operating procedures which include relevant controls to meet Group and SRMU Policy requirements.
* Knowledge of refinancing options, including ABL market, external demand for loans/sectors from funds of banks, access to alternative financing, e.g. crowd-funding
* Proven experience in the interpretation of straightforward financial analysis - credit, capital, modelling and provisioning knowledge
* Up-to-date awareness and knowledge of relevant bank policies, including Credit Policy
* Demonstrate a principled, high integrity approach to achieve the right outcomes in conjunction with people across SRM and the bank
* Knowledge of restructuring and corporate turnaround theories, models and practices
* Outline knowledge of insolvency law and application
* Ability to collaborate and communicate with varying levels of stakeholders
* Experience of engaging advisors and scoping assignment / negotiating co-ordinator appointments, etc

What you'll get in return
* Upon joining the team you will receive an attractive reward package plus the opportunity to participate in a bonus scheme linked to helping our customers and the success of the business
* Your pay in Williams & Glyn will be made up of two different elements: Your base salary and benefit allowance of 22%
* Generous holiday allocation of 30 days per year plus bank holidays (pro rata for hours worked)
* A flexible reward package designed to benefit you as an individual - our benefits programme is designed to help you get the most from your monthly and pay and offers you a range of benefits.

As a Financial Services organisation we comply with and support the requirements set by our Regulator, the Financial Conduct Authority (FCA), which are designed to protect our customers. This role falls under Conduct Rules of the Individual Accountability Regime (IAR) and is subject to pre- employment screening. This means if your application is successful, you'll need to satisfy some important background checks before you can start working with us. These will include a full credit check, a criminal record check, residency and right to work checks.