Job Description
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Welcome to Al Rayan Bank, the longest established and most successful Islamic bank in the UK.
Al Rayan Bank is an extraordinary and flourishing institution that celebrates diversity and values ethics. As a prominent member of the Masraf Al Rayan Group, one of the largest bank's in Qatar, we are fuelled by an unwavering ambition for excellence, promising you an exhilarating journey ahead.
At Al Rayan Bank, we embrace change as an opportunity for positive transformation. Currently, our focus lies on building a culture of inclusivity and diversity, creating an environment where every individual's unique perspectives are valued.
We understand the importance of work-life balance and flexibility, and we are committed to empowering our employees to thrive both personally and professionally.
The Bank is going through the most successful period in its history, and this success is a testament to the hard work, dedication, and expertise of our incredible team. Join us on this exciting venture, where you'll have the chance to make a significant impact while enjoying a supportive and rewarding work environment.
Come and join us and be part of something extraordinary.
We have a fantastic opportunity for a Senior Relationship Manager at our London Office. The Senior Relationship Manager will assist the CPF team in achieving its commercial real estate finance targets and be a focal point in handling relationships for 'owned' cases and manage existing assigned relationships.
Key Responsibilities
- Generate new business in line with personal objectives whilst analysing new opportunities / deals.
- Present deals to the Credit Committee and oversee the end-to-end drawdown process.
- Maintain relationships with existing clients and key introducer networks to maximise sales opportunities.
- Maintain a comprehensive knowledge of the Bank's assets, liability and fee income products and a working knowledge of competitor products.
- As per business requirements, cross-sell the Bank's other products.
- Comply with the Bank's risk procedures and criteria to ensure this area is managed according to the Bank's objectives whilst adhering to the Credit Policy and the Bank's Risk Management Framework.
- Work closely with Credit underwriting and other internal and external stakeholders to ensure Asset targets are achieved.
- Identify Watch triggers, EWIs and recommend robust, bespoke and innovative workout strategies whilst avoiding carrying cost issues.
- Perform and review submissions by the Relationship Management team, including but not restricted to, new / enhancement, annual reviews, Watch submissions, EDDs, CDDs.
- Undertake stress scenarios with forward looking cash modelling and demonstrate understanding of Risk Rating Tool, PD & LGD model input.
- Responsible and accountable for the following:
- In Life Management of the allocated portfolio
- Discounted Stressed Cash flow modelling.
- Aggregation
- Non-Standard Conditions Precedent
- Proactively managing covenant compliance
- Assist the Head of Commercial Banking in managing / monitoring the performance and development of the team to ensure the delivery of business objectives.
Qualifications & Experience
- Educated to degree standard in finance and business (or similar subject) or equivalent experience.
Knowledge & Skills
- Excellent oral and written communication, facilitation skills and ability to present confidently and to work effectively with staff and management at all levels.
- Assertiveness and the knowledge, strength and ability to discuss, explain and support a decision, or other role specific matters of a technical nature, to a range of audiences of varying seniority.
- Strategic thinker with the ability to diagnose and resolve issues and manage work from inception to completion, prioritising work effectively.
- Experience working in a regulated environment and knowledge of the regulatory framework.
- Familiarity with UK commercial finance industry and with regulations applicable to commercial finance.
Behavioural Competencies
You will be required to demonstrate our 1Team values and associated behaviours which are outlined below:
- Trusted to do the right thing
To act with total integrity. Put the customer first and stick to our promises. - Empowered to own
To embrace change, take responsibility and ask for help when needed. - Able to deliver
To draw on each other's strengths and believe in 'no blame' and 'no ego's'. Show resilience. - Motivated to succeed To be passionate about our work. Look for opportunities to learn and grow and celebrate each other's success.
Conduct
We expect staff to follow the standards required by our regulators. At all times:
- Act with integrity
- Act with due skill, care and diligence
- Be open and co-operative with regulators
- Pay due regard to the interests of customers and colleagues and treat them fairly
- Observe proper standards of market conduct
- Act to deliver good outcomes for retail customers
This is a fantastic opportunity to join our growing bank where we can offer exceptional opportunities for you to make your mark and progress your career in a diverse, ethical bank that you can actually believe in.
Empowering your career, together we'll deliver banking you can believe in.