Commercial Banking - Senior Commercial Banker, Trading (South Coast)

Job Description

With a focus on the South Coast region, the main responsibilities of this are to:

• Offer a sophisticated Commercial Banking service that caters to the unique needs of owner managed independent businesses, with an expected target client value of £3m to £20m (but not limited to this amount)
• Develop and enhance relationships with both new to bank and existing HNW clients’ owner managed independent businesses
• Provide effective lending and deposit solutions to meet the needs of such clients, building a profitable and sustainable portfolio which contributes positively to both sides of the AL commercial balance sheet
• Work professionally and proactively to represent the Bank both externally and internally
• Work closely with Private Bankers to encourage internal networks for the referral of business

To place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers and to comply with the FCA and PRA's Conduct Rules.

Key Responsibilities:

• Primary relationship management responsibility for a discrete portfolio of more complex commercial clients, serving as their strategic partner in the bank and acting as a gateway to other products and services.
• Meet demanding new business development targets and ensure unwavering commitment to service excellence
• Manage a high value and complex portfolio of both assets and liabilities (including the management of a loan book) with particular focus on its impact on the P&L and Balance Sheet
• Develop and present business cases and initiate credit proposals that are complex, in-depth and large in value to meet your clients’ needs
• Overall responsibility for your own risk and regulatory performance as a senior member of the banking team, including the client acquisition process
• Manage and develop an extensive network of external business relationships and introducers to acquire, develop and service SME clients
• Work proactively with the Director, Commercial Banking to develop a strategic business plan for your area, including support in the development of less experienced Relationship Managers and Support staff

Risk:

Responsible for managing risks inherent to the role by diligently observing internal policies and procedures

Key Interfaces:

• Clients - and their representatives and advisers
• Banking team - both locally and across the wider Commercial Banking business
• Team Leader
• Back Office departments - including working closely with Credit, Compliance, Portfolio Control and the Operations departments

Person Specification

Knowledge / Experience/Skills:

• You will have a successful background in commercial banking and detailed knowledge of the commercial market in which you operate
• Significant commercial banking experience dealing with owner managed independent businesses
• Proven track record in developing new business and growing a portfolio of high quality commercial clients
• Fulfil the responsibilities required under the FCA’s Senior Manager and Certification Regimes, and Conduct Rules – the role will be a Certified Person under Regulatory rules.
• Excellent interpersonal skills including networking, negotiation, presentation, influencing and collaboration
• Excellent business development skills
• Excellent risk analysis and credit report writing skills, incorporating the ability to present effectively to Credit Committee in a way that inspires confidence and credibility
• Competence with Microsoft Office, including Word, Excel and PowerPoint

Qualifications: Preferred: banking qualifications ACIB/Chartered Banker or equivalent

About Us

Life, Work and Benefits

Arbuthnot Latham is committed to equal-opportunities for all staff and candidates. We embrace inclusion & diversity and understand why they are critical for the success of our business and people.

• Agile working
• Competitive salary, pension & holiday allowance
• BUPA Health cover
• 4x Life Assurance
• Income Protection scheme
• Discretionary bonus
• Market leading maternity/paternity and menopause policies
• Flexible benefits

Data Privacy and Reasonable adjustments

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https://careers.arbuthnotlatham.co.uk/files/RecruitmentPrivacyNotice.pdf

Reasonable adjustments: Please let us know of any adjustments or arrangements that you may need to help you apply to this role or that will help you during the recruitment process. If you wish to discuss any particular requirements or concerns you have because of a disability or medical condition please contact us at [email protected]. Information you provide about any disability or medical condition will remain confidential unless it is necessary to disclose it to other members of staff or outside agencies to ensure the health and safety of yourself and others, or to implement the adjustments you require. In these circumstances we will first discuss with you how and to whom the information may be disclosed.