Specialist Portfolio Manager - Healthcare

About Allica Bank

Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.

Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.

About the Team

Allica is on a mission to become Britain’s most recommended business bank, by providing established SMEs – who represent more than a third of UK GDP – with lending, savings and current accounts, delivered through the latest proprietary technology alongside expert human relationships.

The Distribution team are responsible for the development and execution of the Allica Bank commercial strategy to generate profitable opportunities to meet SME customer needs safely by working with customers and Commercial Mortgage Introducers across Britain. Based on using modern tools, having local relationships and tailored expertise.

Within the Distribution team sits the Specialist Relationship Managers (“SRM”) team who originate and manage all Healthcare Transactions (including Elderly Care Homes, Specialist Care Homes and Children’s Day Nurseries) across the Bank.

Role Description

Reporting to the Senior Specialist Relationship Manager, you will be responsible for developing and nurturing relationships with a portfolio of remotely managed SME healthcare clients across the UK, with a particular focus on elderly care, specialist learning disability and children’s day nursery operators.

In your role you will be the relationship contact point for these businesses, ensuring high-quality in-life customer management, supporting credit submissions, and contributing to the seamless delivery of Allica Bank’s Healthcare lending proposition.

First and foremost, this is a relationship driven role, and so we are seeking candidates comfortable engaging and building rapport with business owners, passionate and curious to understand their business plans and ambitions and how Allica can support their aspirations.

Principal Accountabilities

• Managing a portfolio of Healthcare SMEs across the UK, alongside the Healthcare Team Specialist RM’s, helping them to make the most of the ever-growing Allica product offering including current accounts, deposit products and lending solutions.

• Responsible for management of Allica Healthcare customers to include monitoring of covenant compliance, monitoring of quarterly customer Management Information and providing feedback, annual reviews, review of Audited Accounts, analysing cashflow forecasts and business plans.

• Working closely and collaboratively with all areas of Allica to ensure a seamless and professional service is always provided and facilitate best in class service for our customers.

• Transaction Debt levels will typically be in the range of £0.5m-£20m.

• Meeting with customers and advisors in person and/or remotely.

• Opportunity to develop and lead on new lending credit submissions across all care products.

• Liaison with the Collections and Recoveries team in the event of a customer suffering financial stress and supporting any agreed workout activity.

• Complying with all mandatory policies, and adherence to operational procedures to maintain internal controls.

Personal Attributes & Experience

• You will need to have a good understanding of SME banking and lending, together with experience of other commercial asset classes.

• You will have a strong background in excel including the ability to model sets of financial accounts and management information

• The ability to analyse accounts and management information to understand the underlying financial performance of the business against set covenants.

• You will be comfortable with tracking and managing key metrics within the team portfolio, with appropriate escalation where required.

• The ability to work independently when supporting established SMEs with their requirements.

• You will have excellent interpersonal and communication skills.

• You’ll be able to evidence an ability to work expertly with customers, colleagues and advisors to effectively manage the existing portfolio and provide exceptional customer outcomes.

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Working at Allica Bank

At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.

Our employees are at the heart of everything we do, so our benefits are designed with you in mind:

• Full onboarding support and continued development opportunities

• Options for flexible working

• Regular social activities

• Pension contributions

• Discretionary bonus scheme

• Private health cover

• Life assurance

• Family friendly policies including enhanced Maternity & Paternity leave

Don’t tick every box?

Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!

Flexible working

We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.

Diversity

We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.