This role is for Isle of Man and Jersey resident holders

To provide efficient and relationship-based lending offering and solutions to high net worth clients, in collaboration with the Relationship Managers, and contribute to the service delivery of client centred, coordinated solutions to enable a positive client experience. To primarily manage the existing debt book by conducting annual reviews, identifying opportunities for additional or more efficient debt structuring for clients whilst renewing facilities in order to contribute to the overall profitability of the business.

Minimum Qualifications
First Degree in Business Commerce

Experience Required
5-7 Years - General banking experience with exposure to the entire retail and corporate banking value chain and 3 years of exposure to credit. Clear understanding of lending value proposition and delivery strategy as well as thorough knowledge of the code of banking practice.

Outputs

• Act as the first line of defense, ensuring quality control and risk management.
• Adjudicate contentious issues between the client, the credit division and the relationship manager to encourage solutions that both serve the interests of the client and those of the bank.
• Advise clients on the suite of lending products and recommend the most suitable product to meet their specific needs to contribute to a high-quality service to Wealth clients.
• Encourage the credit division to turnaround applications promptly and in line with service levels agreement in order to contribute to an efficient and positive client experience.
• Identify opportunities to increase the debt book by analysing existing clients at annual review in order to meet individual and team lending targets.