Junior Portfolio Manager

Job description

**Hello,** We are **Recognise Bank;** a modern business bank built to support the UK’s SMEs with tailored lending and savings solutions. Founded in 2017 by experienced business owners, we set out to challenge traditional banking by offering more flexibility, understanding, and practical support to help businesses thrive. Since receiving our banking licence in 2021, we’ve built a loyal customer base and a strong, diverse team that puts people first. Our vision is **building stronger futures with bespoke financial solutions**. We understand that no two financial needs are the same, which is why we work closely with UK SMEs and individuals to unlock potential others often overlook. Through smart, flexible lending and savings products, we’re here to **build and grow stronger futures for lasting success**. Our values shape how we work and grow together: 💪 **Can do, will do:** We take ownership, solve problems, and adapt as our customers’ needs evolve. ✨ **Be brilliant:** We show up with curiosity and energy, always striving for better. 🤝 **Do the right thing:** We act with integrity, responsibility, and care in everything we do. 💡**Make a difference:** We focus on impact, helping our customers, colleagues, and communities succeed. **About the role** As a Junior Portfolio Manager, you will support the effective management, servicing, and monitoring of the loan portfolio. Working closely with the wider Portfolio Management team, you will help deliver excellent customer outcomes while ensuring portfolio activities are conducted in line with internal policies, procedures, and regulatory requirements. You will be responsible for the day-to-day management of an assigned loan book, supporting a range of loan lifecycle activities including arrears management, payment processing, customer engagement, annual reviews, loan maturities, extensions, covenant testing, and compliance reporting. The role requires interaction with customers and internal stakeholders to ensure timely and accurate servicing of facilities. ### Key Responsibilities - Manage and maintain an assigned portfolio of loan accounts, ensuring all servicing activities are completed accurately and within agreed timeframes. - Monitor customer accounts to ensure they continue to meet the terms and conditions of their loans. - Complete covenant testing and identify any issues or potential risks, escalating them where necessary. - Carry out annual loan reviews, gathering and assessing customer information and documentation. - Manage loan maturities, including processing loan extensions, renewals, and redemptions. - Support loan restructures and other changes to customer facilities, ensuring all actions are completed accurately and on time. - Monitor overdue accounts and support arrears management activities, working with customers to achieve positive outcomes. - Monitor payments across different system to support any allocation - Build strong relationships with customers through regular contact and excellent customer service. - Work closely with teams across Credit, New Business, Legal, Operations, and Risk to support the effective management of the portfolio. - Ensure all activities are completed in line with company policies, procedures, and regulatory requirements. - Support Senior Operation Manager in driving performance against SLAs and KPIs. ### Required Skills & Experience - Managing loan portfolios and customer relationships - Handling arrears and collections activity - Experience within bridging finance or similar lending products - Managing loan lifecycle events such as maturities, extensions and redemption - Experience using loan management systems (e.g. nCino) - Microsoft Excel and reporting skills - Financial analysis and interpretation - Customer relationship - Loan servicing and administration - Understanding of lending regulations and compliance requirements - Payments and collections understanding **Desirable:** - CeMAP (Certificate in Mortgage Advice and Practice) - LIBF Banking & Finance qualifications