Portfolio Officer

Job Title – Portfolio Officer
Department – Commercial Banking
Reports To – Relationship Director
Direct Reports – None
Job Family – JF4

Role Purpose
Support growth and relationship management of the Commercial Banking loan book in the Bank’s core social impact sectors; Faith, Social Housing, Community and Healthcare.

1. Transaction support for new lending:

• Working with Relationship Directors (RDs) within a designated sector team on newly approved cases
• Managing post approval process to completion with oversight from RD and SPM/ PMs (where
  necessary) to close transactions
• Instruction of professionals for diligence work
• Preparation of facility documentation with overview of SPM/ RD
• Liaising with customers, introducers, valuers and other professionals (as required) associated with the
  transaction for instruction
• Maintaining pipeline schedule and lending checklists with current status of cases
• Building knowledge of the sector

2. Relationship Management of client portfolio:

• Work with RD on Relationship management of portfolio
• Completion of annual reviews and all post completion monitoring including management information,
  covenant testing with overview of RD
• Preparation of facility amendment or renewal documentation with overview of SPM/ RD
• Work with RD on active retention strategy for core client base to manage expiries and potential
  redemptions
• Early reporting to RD of any deteriorating positions (including arrears / expiries)

3. Client onboarding and ongoing financial crime reviews

• Client onboarding as part of completion process
• Financial crime cyclical review for all lending connections where current account is held

4. Support growth of Business & Charity Banking Current accounts and deposits

5. Support marketing and business development activity attending events where required

Essential knowledge, skills, and experience

Experience

Essential:

• Customer service in a UK Bank Lender for minimum 1 year

Desirable:

• Knowledge of onboarding processes
• Completion of financial crime reviews
• Relationship management
• Experience of working in commercial banking with secured lending

Qualifications

Desirable:

• Any relevant degree, banking or financial qualifications

Knowledge and Skills

Essential:

• IT skills including word and excel
• Numerate with high level of accuracy and attention to detail
• Communication and interpersonal skills
  Desirable:
• Credit skills and Financial analysis
• Knowledge of commercial loan completion process

JF Level 5 to 3

• Holiday allowance –25 days (for a full year, prorated for the time in company) rising to 28 days after 5 years of service

For All JF

• Buy and sell annual leave – up to 5 days per year
• Working hours 8.30-4.15
• Defined contribution pension scheme – minimum 3% employee contributions with 6 % from the
  employer and we will double your contribution up to 12%
• Health cash plan for yourself and dependent children (This benefit is available from the start of
  employment, pending the employee’s consent).
• Critical illness cover –£50,000 (Subject to employee’s consent this benefit is offered from the day 1
  and fully paid by the bank)
• Death in service life cover 3 X basic salary (comes with pension)
• Annual Wellbeing Allowance (This benefit is offered once 1 year is completed within the company)
• Perkbox employee benefits scheme – includes gym membership, online training, counselling and
  discounts at major retailers and more
• Birthday Leave – 1 day (This benefit is offered once 1 year is completed within the company)
• Two days paid volunteering
• Travel season ticket Assistance – interest free (This benefit is offered once 6 months is completed
  within the company)
• Study support – fees paid, and 5 days’ study leave if you’re taking relevant professional qualifications
• Free fruit – doing our best to keep you healthy!
• Free tea and coffee
• Breakout / relaxation area.

Please click here for more detail: Role Profile Template Portfolio Officer

If you require any adjustments before your interview, such as large print materials or mobility assistance, please
don’t hesitate to reach out to the HR team (hr-admin@reliancebankltd.com). We’re here to help ensure you have
a comfortable and successful experience.

This list is not exhaustive, and you may be required to carry out additional duties and responsibilities as
and when required.