Shawbrook
Associate Relationship Director
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Associate Relationship Director
Associate Relationship Director – Structured Lending Portfolio
About Shawbrook Banking Group
Shawbrook provides finance to a wide range of customer segments that value flexibility, certainty, and a premium experience. We are a purpose-led organisation focused on delivering long-term, sustainable value for all stakeholders.
Our diversified offering includes innovative lending propositions tailored to:
- SME segments
- Real Estate (professional landlords, property investors)
- Personal customers (simple digital loans)
We combine:
- Deep human expertise
- Advanced digital, tech, and data capabilities
This unique bank model ensures we deliver excellent customer experiences efficiently and at scale, while fostering an innovative, agile culture that attracts top talent.
Join us if you:
- Want to work for a bank built for the modern world
- Relish fast-paced, challenging work and thrive in innovation
- Enjoy solving complex problems creatively
- Belong to or advocate for a diverse culture
- Care about society, sustainability, and environmental impact
- Seek professional growth and continuous development
Job Description
Associate Relationship Director – Structured Lending Portfolio
The Associate Relationship Director ensures financial analysis of existing and future financial performance, including:
- Reviewing statutory and management accounting information
- Conducting financial modelling, spreading, and forecast analysis
- Overseeing covenant compliance monitoring and quarterly borrowing reviews
As part of the Relationship Management team, responsibilities include:
- Engaging with customers through meetings and resolving queries
- Managing clients via CRM systems/platforms
- Supporting Relationship Directors in writing lending reports
- Conducting credit risk analysis and risk management
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Working in collaboration with the Relationship Director, you will:
- Oversee and grow the loan book in assigned portfolios
- Build trusted, collaborative client relationships
- Identify future funding opportunities
- Ensure exceptional customer service
In partnership with Credit Partners, Business Development Managers, and Regional Head of Credit, you will:
- Strengthen internal relationships for portfolio management
- Work across sector portfolios
Key Responsibilities
- Post drawdown procedures: Ensure smooth transition from Business Development & Transaction Management teams
- Interaction with borrowers & Transaction Management: Collect financial data/information for loan portfolio monitoring
- Monitoring financial data: Ensure timely submission of management and financial information from borrowers
- Financial review & covenant compliance:
- Verify reported financials
- Calculate financial covenants
- Perform quality assurance checks
- Compare actuals vs budgets/forecasts
- Analyse variances and their impact on liquidity/debt serviceability
- Escalate material variances to Relationship Managers & Head of Relationship Management
- Reporting to credit & legal teams:
- Prepare reports on covenant breaches
- Develop proposals for waivers or consents where required
- Review customer projections throughout loan lifecycle
- Maintain loan status records to demonstrate ongoing compliance across the Loan Portfolio
- Collaborate with:
- Business Development teams
- Transactional teams
- Legal teams
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Skills and Experience Requirements
- Strong financial analysis skills:
- Ability to navigate, analyse, and interpret P&L, Balance Sheets (BS), and Cash Flows
- Understanding of loan documentation and covenant terminology
- Proficient in financial modelling and sensitivity analysis
- Accounting platform experience:
- Familiarity with platforms like Sage, Xero etc.
- Industry experience:
- Debt/asset finance experience
- Financial services background
- Essential soft skills:
- Strong written & verbal communication
- Robust, organised, calm, logical, and confident
- Networking:
- Well-connected professionals sought
Benefits
Your Wellbeing
- Family-friendly policies (enhanced maternity, adoption, paternity leave from Day 1)
- Free Headspace (mindfulness, meditation app)
- Free Peppy (digital support for fertility, parenthood, or menopause)
- Employee Assistance Programme (EAP): Support for financial stress, mental health, family, work-life balance, housing, and health concerns
- Cycle-to-work scheme
- Discounted gym memberships
- Contributory pension & death-in-service benefits
Your Lifestyle
- 27+ days holiday per year
- Flexi-holiday scheme (buy/sell holiday days)
- National gym discounts
- Access to discounts on high-street and online brands
- Community & charity initiatives
Your Contribution & Recognition
- Annual discretionary bonus scheme
- Shawbrook recognition programme for employees who inspire and excel
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