We are recruiting for a Head of Third-Party Damage Claims on behalf of one of the largest specialist motor insurers in the market. The Head of Third-Party Claims will be responsible for leading, developing, and managing the end-to-end third- party claims journey. This includes strategic oversight of operational performance, technical excellence, and service delivery across all third-party claims functions. Key Responsibilities Driving cost control throughout the claims lifecycle across all elements of third-party claims spend. Developing and implementing strategy based on detailed financial analysis. Overseeing the effective management of complex and high value claims and processes with technical, regulatory or financial implications. Initiating indemnity control and operational effectiveness initiatives with sound business cases. Analysing and drafting reports, as well as responding to financial performance metrics. Using granular knowledge of vehicle portfolio, underwriting and distribution strategies to anticipate trends. Overseeing key supply chain relationships in the fulfilment of the claims proposition and ensuring that all external providers meet performance requirements. Key Requirements Extensive experience in motor claims management, with a thorough understanding of claims processes and current market trends. Proven ability to deliver key objectives and drive measurable performance improvements within challenging timeframes. In-depth technical expertise in motor liability, credit hire, personal injury, and relevant legal and regulatory frameworks. Strong commercial and financial acumen with experience of working with actuarial development triangles. High level of numeracy and analytical skills, with the ability to interpret data and identify underlying patterns and trends. Skilled in producing professional, well-structured, and accurate reports. Excellent communication, negotiation, and stakeholder engagement capabilities. Professional qualification (e.g., ACII or equivalent) is desirable.
Mar 27, 2026
Full time
We are recruiting for a Head of Third-Party Damage Claims on behalf of one of the largest specialist motor insurers in the market. The Head of Third-Party Claims will be responsible for leading, developing, and managing the end-to-end third- party claims journey. This includes strategic oversight of operational performance, technical excellence, and service delivery across all third-party claims functions. Key Responsibilities Driving cost control throughout the claims lifecycle across all elements of third-party claims spend. Developing and implementing strategy based on detailed financial analysis. Overseeing the effective management of complex and high value claims and processes with technical, regulatory or financial implications. Initiating indemnity control and operational effectiveness initiatives with sound business cases. Analysing and drafting reports, as well as responding to financial performance metrics. Using granular knowledge of vehicle portfolio, underwriting and distribution strategies to anticipate trends. Overseeing key supply chain relationships in the fulfilment of the claims proposition and ensuring that all external providers meet performance requirements. Key Requirements Extensive experience in motor claims management, with a thorough understanding of claims processes and current market trends. Proven ability to deliver key objectives and drive measurable performance improvements within challenging timeframes. In-depth technical expertise in motor liability, credit hire, personal injury, and relevant legal and regulatory frameworks. Strong commercial and financial acumen with experience of working with actuarial development triangles. High level of numeracy and analytical skills, with the ability to interpret data and identify underlying patterns and trends. Skilled in producing professional, well-structured, and accurate reports. Excellent communication, negotiation, and stakeholder engagement capabilities. Professional qualification (e.g., ACII or equivalent) is desirable.
Strong end-to-end knowledge of credit strategy, spanning application, underwriting, customer management, and debt recovery. Experience in credit strategy management roles, with a proven track record of delivery Expertise in SAS analytics and configuration of credit customer management systems, including leadership of teams responsible for these functions Demonstrated experience in leading and delivering organisational change and transformation initiatives Solid understanding of analytical methodologies and their practical application in credit risk and customer management Strong working knowledge of regulatory frameworks Applicants must be located and eligible to work in the UK without sponsorship. Please note, should feedback not be received within 28 days, unfortunately your application has been unsuccessful. In applying for this role, you may be registered on our database so we can contact you about suitable opportunities in future. Your data will be managed in accordance with our Privacy Policy, which can be found on our website. If you would like this job advertisement in an alternative format, please contact MERJE directly.
Mar 26, 2026
Full time
Strong end-to-end knowledge of credit strategy, spanning application, underwriting, customer management, and debt recovery. Experience in credit strategy management roles, with a proven track record of delivery Expertise in SAS analytics and configuration of credit customer management systems, including leadership of teams responsible for these functions Demonstrated experience in leading and delivering organisational change and transformation initiatives Solid understanding of analytical methodologies and their practical application in credit risk and customer management Strong working knowledge of regulatory frameworks Applicants must be located and eligible to work in the UK without sponsorship. Please note, should feedback not be received within 28 days, unfortunately your application has been unsuccessful. In applying for this role, you may be registered on our database so we can contact you about suitable opportunities in future. Your data will be managed in accordance with our Privacy Policy, which can be found on our website. If you would like this job advertisement in an alternative format, please contact MERJE directly.
City + Capital are currently representing a notable and well-respected development finance lender who are planning their launch into the bridging finance market. As a result, they require an experienced bridging originator who will be primarily tasked with growing the bridging book. Where excellent performance is delivered, it is expected that the arriving individual will move in to a 'Head of Bridging' role with a view to growing the proposition and team throughout subsequent growth phases. The Company Our client is a specialist property finance lender based in London, primarily focused on providing ground-up development finance to support the needs of property developers. Offering institutional-grade funding solutions, they have recently secured institutional funding to expand and grow their bridging finance offerings, and to make the bridging finance proposition a 'standalone' business unit within its own right. This is a key growth area for the firm, in a market that has just surpassed the £10bn mark for the first time. Our client is well-positioned to capture this growth but are actively seeking strong experience from the bridging sector for this key hire. Operating with a lean, highly skilled team they are well positioned to scale and increase bridging market share. For an individual who is looking for a role where they can truly make an impact, short and long term, this is one that is well worth serious consideration. Role Overview As our client are predominantly a development finance lender, they have generated much of their success to date by working directly with the developer, rather than through engagement with the broker market. Initially, your primary focus within this role will be the growth of the bridging finance loan book via the identification and funding of loans that suit the agreed appetite. This will start as a 'standalone' role, in the sense that you will be the core bridging finance originator, though you will be heavily supported by the current team of experienced underwriters and credit specialists. To achieve this, you may work directly with borrowers, but the belief is that true growth will be driven via engagement with known bridging brokers in the London & Southeast. You will strategically manage your own diary of appointments to drive enquiries for the team to assess and fund. Throughout, you will have access to our client's development finance offerings as well, to ensure you have capacity to assist brokers or borrowers with their full needs. During the brief for this role, our client's CEO highlighted their long-term view for this role, which they hope would see the arriving individual move up to Head of Bridgingonce initial loan book growth objectives have been met. At this point it is expected that you will build your own bridging finance team, onboarding experienced specialists in to key roles that drive lending success and growth. As our client are boutique in size (and big in ambition!) you will work closely with the board throughout your tenure, assisting with strategy planning, innovating ideas for bridging growth and mapping out the growth of the team and department. This is, therefore, a hugely important appointment for our client, at a seriously exciting time. Responsibilities The leading player in the growth of the brand-new bridging finance loan book Engage with brokers and borrowers to identify and fund loans to meet appetite Work towards agreed lending targets and objectives to meet lender ambitions Undertake initial deal assessments & ensure viability Work with the board to develop the bridging proposition in all aspects Distribute ground-up development finance loans, wherever possible Liaise closely with internal teams, such as marketing, underwriting and credit Present cases for underwriting and support transaction execution Monitor market trends and competitor activity, suggesting improvements on process Candidate Requirements Highly experienced in bridging finance, including originations and deal assessments Confident working with refurbishment deals within the bridging finance sector Established network of property brokers and introducers in London and SE Demonstrated ability to originate and convert deals in line with lending targets Confident when assessing bridging applications & composing credit papers Good working knowledge of current bridging trends and property markets Self-motivated, resilient and results-driven: 'rolling up my sleeves' approach Strong attention to detail and ability to work under pressure to deadlines Comfortable attending networking events, expanding yours and company reach Ambitious and keen to be 'Head of Bridging' On Offer Our client is open to a range of experience levels from the bridging finance market, so long as the track record and potential is positive. They have therefore offered a broad salary range to cover this, ideally looking to pay between £60k-£120k basic salary, relevant to experience. Higher offers may be considered for exceptional fit. Salary will be complemented by an uncapped bonus potential that will reward you for deals funded and the growth of the bridging book. This will significantly increase annual earnings based on performance. A further bonus structure is likely to be employed as you grow the team, alongside a salary review in line with responsibility growth. Notably, this is a genuine opportunity to play a critical role in the growth cycle of a well-respected and successful development finance lender who is well primed for further growth and success in new markets. As a result, we do not expect this role to be on the market for long! Next Steps There is a reasonable amount of urgency to fill this position in line with objectives. If this role does sound like one that you are both qualified for and interested in, then we look forward to your application as soon as possible. Once we have reviewed your application we will be in touch with an update. We look forward to hearing from you. The City + Capital Team
Mar 25, 2026
Full time
City + Capital are currently representing a notable and well-respected development finance lender who are planning their launch into the bridging finance market. As a result, they require an experienced bridging originator who will be primarily tasked with growing the bridging book. Where excellent performance is delivered, it is expected that the arriving individual will move in to a 'Head of Bridging' role with a view to growing the proposition and team throughout subsequent growth phases. The Company Our client is a specialist property finance lender based in London, primarily focused on providing ground-up development finance to support the needs of property developers. Offering institutional-grade funding solutions, they have recently secured institutional funding to expand and grow their bridging finance offerings, and to make the bridging finance proposition a 'standalone' business unit within its own right. This is a key growth area for the firm, in a market that has just surpassed the £10bn mark for the first time. Our client is well-positioned to capture this growth but are actively seeking strong experience from the bridging sector for this key hire. Operating with a lean, highly skilled team they are well positioned to scale and increase bridging market share. For an individual who is looking for a role where they can truly make an impact, short and long term, this is one that is well worth serious consideration. Role Overview As our client are predominantly a development finance lender, they have generated much of their success to date by working directly with the developer, rather than through engagement with the broker market. Initially, your primary focus within this role will be the growth of the bridging finance loan book via the identification and funding of loans that suit the agreed appetite. This will start as a 'standalone' role, in the sense that you will be the core bridging finance originator, though you will be heavily supported by the current team of experienced underwriters and credit specialists. To achieve this, you may work directly with borrowers, but the belief is that true growth will be driven via engagement with known bridging brokers in the London & Southeast. You will strategically manage your own diary of appointments to drive enquiries for the team to assess and fund. Throughout, you will have access to our client's development finance offerings as well, to ensure you have capacity to assist brokers or borrowers with their full needs. During the brief for this role, our client's CEO highlighted their long-term view for this role, which they hope would see the arriving individual move up to Head of Bridgingonce initial loan book growth objectives have been met. At this point it is expected that you will build your own bridging finance team, onboarding experienced specialists in to key roles that drive lending success and growth. As our client are boutique in size (and big in ambition!) you will work closely with the board throughout your tenure, assisting with strategy planning, innovating ideas for bridging growth and mapping out the growth of the team and department. This is, therefore, a hugely important appointment for our client, at a seriously exciting time. Responsibilities The leading player in the growth of the brand-new bridging finance loan book Engage with brokers and borrowers to identify and fund loans to meet appetite Work towards agreed lending targets and objectives to meet lender ambitions Undertake initial deal assessments & ensure viability Work with the board to develop the bridging proposition in all aspects Distribute ground-up development finance loans, wherever possible Liaise closely with internal teams, such as marketing, underwriting and credit Present cases for underwriting and support transaction execution Monitor market trends and competitor activity, suggesting improvements on process Candidate Requirements Highly experienced in bridging finance, including originations and deal assessments Confident working with refurbishment deals within the bridging finance sector Established network of property brokers and introducers in London and SE Demonstrated ability to originate and convert deals in line with lending targets Confident when assessing bridging applications & composing credit papers Good working knowledge of current bridging trends and property markets Self-motivated, resilient and results-driven: 'rolling up my sleeves' approach Strong attention to detail and ability to work under pressure to deadlines Comfortable attending networking events, expanding yours and company reach Ambitious and keen to be 'Head of Bridging' On Offer Our client is open to a range of experience levels from the bridging finance market, so long as the track record and potential is positive. They have therefore offered a broad salary range to cover this, ideally looking to pay between £60k-£120k basic salary, relevant to experience. Higher offers may be considered for exceptional fit. Salary will be complemented by an uncapped bonus potential that will reward you for deals funded and the growth of the bridging book. This will significantly increase annual earnings based on performance. A further bonus structure is likely to be employed as you grow the team, alongside a salary review in line with responsibility growth. Notably, this is a genuine opportunity to play a critical role in the growth cycle of a well-respected and successful development finance lender who is well primed for further growth and success in new markets. As a result, we do not expect this role to be on the market for long! Next Steps There is a reasonable amount of urgency to fill this position in line with objectives. If this role does sound like one that you are both qualified for and interested in, then we look forward to your application as soon as possible. Once we have reviewed your application we will be in touch with an update. We look forward to hearing from you. The City + Capital Team
We are partnering with a well-established and growth-oriented, relationship focused international bank to appoint a high-calibre Senior Relationship into a strategically important Midlands location. This is a pivotal hire, offering the opportunity to take full ownership of a profitable SME / Commercial banking portfolio, while playing a key role in driving the next phase of regional growth.This position goes beyond traditional relationship management. It is a high-impact, front-office leadership role combining business development, credit ownership and team leadership, where you will be responsible for originating and structuring transactions, deepening client relationships and delivering against ambitious balance sheet and revenue targets. You will inherit a well-established client base, with immediate scope to enhance portfolio performance, while also building out new-to-bank relationships across the local market. With direct exposure to senior stakeholders and credit committees, the role offers significant visibility and the ability to influence both commercial strategy and lending decisions. For an experienced commercial banker seeking a role with genuine autonomy, clear revenue accountability and the opportunity to shape a growing franchise, this represents a compelling next step. This is a senior, revenue-generating leadership role within the Banking function, accountable for end-to-end ownership of a commercial SME portfolio, including origination, credit structuring, portfolio risk management and performance delivery. The role holder will combine front-office relationship management with strong credit capability, driving sustainable growth across assets, liabilities and trade finance, while maintaining robust oversight of portfolio quality, regulatory compliance and operational governance. This position carries full accountability for portfolio income, balance sheet growth and client retention, alongside leadership of the specilaist team and contribution to broader regional strategy. Core Responsibilities 1. Portfolio Ownership & Revenue Delivery Manage and grow a diverse portfolio of SME and corporate clients, typically comprising 40-70 borrowing and non-borrowing relationships Deliver against defined revenue targets, with portfolios typically generating £750k - £1.5m+ annual income Drive wallet share expansion across lending, deposits, trade finance and treasury products Actively optimise portfolio utilisation, pricing and return on capital 2. Business Development & Origination Originate new-to-bank relationships through structured business development activity, targeting 10+ new relationships annually Build and execute a robust pipeline strategy across key sectors (e.g. trading businesses, property, healthcare, retail, import/export) Leverage networks, introducers and local market presence to drive sustainable portfolio growth Cross-sell across lending, liabilities, FX and trade products 3. Credit Structuring & Risk Ownership Lead the end-to-end credit lifecycle from origination through to approval and monitoring Conduct detailed financial analysis (balance sheet, P&L, cashflow) including ratio analysis and stress testing Structure facilities including: Working capital facilities Property-backed lending Buy-to-Let (residential & commercial) Asset finance and project/bridging finance Prepare and present comprehensive credit papers (10-20+ pages) for internal credit committees Recommend appropriate security structures, covenants and risk mitigants 4. Credit Committee & Governance Present transactions to Credit Committee and senior stakeholders, demonstrating clear risk/reward articulation Maintain accountability for credit quality, early warning indicators and portfolio health Manage renewals, amendments and ongoing monitoring in line with internal policy 5. Client Relationship Management Act as a trusted advisor to SME and corporate clients, delivering tailored banking solutions Maintain high levels of client engagement through regular meetings and proactive portfolio reviews Oversee complex client needs, including multi-product relationships and structured facilities Drive high standards of customer outcomes (TCF) and service delivery 6. Leadership & Team Management Lead, mentor and develop a team of Relationship Managers and support staff Drive a high-performance culture aligned to revenue, risk and service KPIs Provide coaching on credit structuring, business development and client management Support the Area Head in delivering bank strategy, budgeting and performance reporting 7. Regulatory & Compliance Oversight Ensure full adherence to FCA / PRA requirements, SMCR and internal governance frameworks Oversee CDD / EDD processes, including complex and PEP relationships Maintain strong oversight of AML, KYC and operational risk controls Ensure all activity aligns with internal policies and regulatory expectations Key Deliverables / Success Metrics Portfolio growth across assets, liabilities and income New client acquisition and pipeline conversion Credit quality and low impairment levels Delivery against P&L and balance sheet targets Team performance and staff development outcomes Experience Required Proven track record managing SME / Commercial Banking portfolios (£5m-£200m+) Strong credit underwriting capability with experience presenting to credit committees Demonstrable experience structuring complex lending transactions (property, working capital, trade) Established network and ability to originate new business consistently Experience managing or mentoring teams within a bank or regional banking environment Strong understanding of UK regulatory environment (FCA, PRA, AML, TCF) Leadership & Competencies Commercially driven with clear P&L ownership mindset Strong influencing capability across credit, risk and senior stakeholders Ability to balance growth vs risk discipline High levels of client credibility and relationship depth Structured, analytical approach to decision-making
Mar 24, 2026
Full time
We are partnering with a well-established and growth-oriented, relationship focused international bank to appoint a high-calibre Senior Relationship into a strategically important Midlands location. This is a pivotal hire, offering the opportunity to take full ownership of a profitable SME / Commercial banking portfolio, while playing a key role in driving the next phase of regional growth.This position goes beyond traditional relationship management. It is a high-impact, front-office leadership role combining business development, credit ownership and team leadership, where you will be responsible for originating and structuring transactions, deepening client relationships and delivering against ambitious balance sheet and revenue targets. You will inherit a well-established client base, with immediate scope to enhance portfolio performance, while also building out new-to-bank relationships across the local market. With direct exposure to senior stakeholders and credit committees, the role offers significant visibility and the ability to influence both commercial strategy and lending decisions. For an experienced commercial banker seeking a role with genuine autonomy, clear revenue accountability and the opportunity to shape a growing franchise, this represents a compelling next step. This is a senior, revenue-generating leadership role within the Banking function, accountable for end-to-end ownership of a commercial SME portfolio, including origination, credit structuring, portfolio risk management and performance delivery. The role holder will combine front-office relationship management with strong credit capability, driving sustainable growth across assets, liabilities and trade finance, while maintaining robust oversight of portfolio quality, regulatory compliance and operational governance. This position carries full accountability for portfolio income, balance sheet growth and client retention, alongside leadership of the specilaist team and contribution to broader regional strategy. Core Responsibilities 1. Portfolio Ownership & Revenue Delivery Manage and grow a diverse portfolio of SME and corporate clients, typically comprising 40-70 borrowing and non-borrowing relationships Deliver against defined revenue targets, with portfolios typically generating £750k - £1.5m+ annual income Drive wallet share expansion across lending, deposits, trade finance and treasury products Actively optimise portfolio utilisation, pricing and return on capital 2. Business Development & Origination Originate new-to-bank relationships through structured business development activity, targeting 10+ new relationships annually Build and execute a robust pipeline strategy across key sectors (e.g. trading businesses, property, healthcare, retail, import/export) Leverage networks, introducers and local market presence to drive sustainable portfolio growth Cross-sell across lending, liabilities, FX and trade products 3. Credit Structuring & Risk Ownership Lead the end-to-end credit lifecycle from origination through to approval and monitoring Conduct detailed financial analysis (balance sheet, P&L, cashflow) including ratio analysis and stress testing Structure facilities including: Working capital facilities Property-backed lending Buy-to-Let (residential & commercial) Asset finance and project/bridging finance Prepare and present comprehensive credit papers (10-20+ pages) for internal credit committees Recommend appropriate security structures, covenants and risk mitigants 4. Credit Committee & Governance Present transactions to Credit Committee and senior stakeholders, demonstrating clear risk/reward articulation Maintain accountability for credit quality, early warning indicators and portfolio health Manage renewals, amendments and ongoing monitoring in line with internal policy 5. Client Relationship Management Act as a trusted advisor to SME and corporate clients, delivering tailored banking solutions Maintain high levels of client engagement through regular meetings and proactive portfolio reviews Oversee complex client needs, including multi-product relationships and structured facilities Drive high standards of customer outcomes (TCF) and service delivery 6. Leadership & Team Management Lead, mentor and develop a team of Relationship Managers and support staff Drive a high-performance culture aligned to revenue, risk and service KPIs Provide coaching on credit structuring, business development and client management Support the Area Head in delivering bank strategy, budgeting and performance reporting 7. Regulatory & Compliance Oversight Ensure full adherence to FCA / PRA requirements, SMCR and internal governance frameworks Oversee CDD / EDD processes, including complex and PEP relationships Maintain strong oversight of AML, KYC and operational risk controls Ensure all activity aligns with internal policies and regulatory expectations Key Deliverables / Success Metrics Portfolio growth across assets, liabilities and income New client acquisition and pipeline conversion Credit quality and low impairment levels Delivery against P&L and balance sheet targets Team performance and staff development outcomes Experience Required Proven track record managing SME / Commercial Banking portfolios (£5m-£200m+) Strong credit underwriting capability with experience presenting to credit committees Demonstrable experience structuring complex lending transactions (property, working capital, trade) Established network and ability to originate new business consistently Experience managing or mentoring teams within a bank or regional banking environment Strong understanding of UK regulatory environment (FCA, PRA, AML, TCF) Leadership & Competencies Commercially driven with clear P&L ownership mindset Strong influencing capability across credit, risk and senior stakeholders Ability to balance growth vs risk discipline High levels of client credibility and relationship depth Structured, analytical approach to decision-making
We are partnering with a well-established and growth-oriented, relationship focused international bank to appoint a high-calibre Senior Relationship into a strategically important Midlands location. This is a pivotal hire, offering the opportunity to take full ownership of a profitable SME / Commercial banking portfolio, while playing a key role in driving the next phase of regional growth.This position goes beyond traditional relationship management. It is a high-impact, front-office leadership role combining business development, credit ownership and team leadership, where you will be responsible for originating and structuring transactions, deepening client relationships and delivering against ambitious balance sheet and revenue targets. You will inherit a well-established client base, with immediate scope to enhance portfolio performance, while also building out new-to-bank relationships across the local market. With direct exposure to senior stakeholders and credit committees, the role offers significant visibility and the ability to influence both commercial strategy and lending decisions. For an experienced commercial banker seeking a role with genuine autonomy, clear revenue accountability and the opportunity to shape a growing franchise, this represents a compelling next step. This is a senior, revenue-generating leadership role within the Banking function, accountable for end-to-end ownership of a commercial SME portfolio, including origination, credit structuring, portfolio risk management and performance delivery. The role holder will combine front-office relationship management with strong credit capability, driving sustainable growth across assets, liabilities and trade finance, while maintaining robust oversight of portfolio quality, regulatory compliance and operational governance. This position carries full accountability for portfolio income, balance sheet growth and client retention, alongside leadership of the specilaist team and contribution to broader regional strategy. Core Responsibilities 1. Portfolio Ownership & Revenue Delivery Manage and grow a diverse portfolio of SME and corporate clients, typically comprising 40-70 borrowing and non-borrowing relationships Deliver against defined revenue targets, with portfolios typically generating £750k - £1.5m+ annual income Drive wallet share expansion across lending, deposits, trade finance and treasury products Actively optimise portfolio utilisation, pricing and return on capital 2. Business Development & Origination Originate new-to-bank relationships through structured business development activity, targeting 10+ new relationships annually Build and execute a robust pipeline strategy across key sectors (e.g. trading businesses, property, healthcare, retail, import/export) Leverage networks, introducers and local market presence to drive sustainable portfolio growth Cross-sell across lending, liabilities, FX and trade products 3. Credit Structuring & Risk Ownership Lead the end-to-end credit lifecycle from origination through to approval and monitoring Conduct detailed financial analysis (balance sheet, P&L, cashflow) including ratio analysis and stress testing Structure facilities including: Working capital facilities Property-backed lending Buy-to-Let (residential & commercial) Asset finance and project/bridging finance Prepare and present comprehensive credit papers (10-20+ pages) for internal credit committees Recommend appropriate security structures, covenants and risk mitigants 4. Credit Committee & Governance Present transactions to Credit Committee and senior stakeholders, demonstrating clear risk/reward articulation Maintain accountability for credit quality, early warning indicators and portfolio health Manage renewals, amendments and ongoing monitoring in line with internal policy 5. Client Relationship Management Act as a trusted advisor to SME and corporate clients, delivering tailored banking solutions Maintain high levels of client engagement through regular meetings and proactive portfolio reviews Oversee complex client needs, including multi-product relationships and structured facilities Drive high standards of customer outcomes (TCF) and service delivery 6. Leadership & Team Management Lead, mentor and develop a team of Relationship Managers and support staff Drive a high-performance culture aligned to revenue, risk and service KPIs Provide coaching on credit structuring, business development and client management Support the Area Head in delivering bank strategy, budgeting and performance reporting 7. Regulatory & Compliance Oversight Ensure full adherence to FCA / PRA requirements, SMCR and internal governance frameworks Oversee CDD / EDD processes, including complex and PEP relationships Maintain strong oversight of AML, KYC and operational risk controls Ensure all activity aligns with internal policies and regulatory expectations Key Deliverables / Success Metrics Portfolio growth across assets, liabilities and income New client acquisition and pipeline conversion Credit quality and low impairment levels Delivery against P&L and balance sheet targets Team performance and staff development outcomes Experience Required Proven track record managing SME / Commercial Banking portfolios (£5m-£200m+) Strong credit underwriting capability with experience presenting to credit committees Demonstrable experience structuring complex lending transactions (property, working capital, trade) Established network and ability to originate new business consistently Experience managing or mentoring teams within a bank or regional banking environment Strong understanding of UK regulatory environment (FCA, PRA, AML, TCF) Leadership & Competencies Commercially driven with clear P&L ownership mindset Strong influencing capability across credit, risk and senior stakeholders Ability to balance growth vs risk discipline High levels of client credibility and relationship depth Structured, analytical approach to decision-making
Mar 23, 2026
Full time
We are partnering with a well-established and growth-oriented, relationship focused international bank to appoint a high-calibre Senior Relationship into a strategically important Midlands location. This is a pivotal hire, offering the opportunity to take full ownership of a profitable SME / Commercial banking portfolio, while playing a key role in driving the next phase of regional growth.This position goes beyond traditional relationship management. It is a high-impact, front-office leadership role combining business development, credit ownership and team leadership, where you will be responsible for originating and structuring transactions, deepening client relationships and delivering against ambitious balance sheet and revenue targets. You will inherit a well-established client base, with immediate scope to enhance portfolio performance, while also building out new-to-bank relationships across the local market. With direct exposure to senior stakeholders and credit committees, the role offers significant visibility and the ability to influence both commercial strategy and lending decisions. For an experienced commercial banker seeking a role with genuine autonomy, clear revenue accountability and the opportunity to shape a growing franchise, this represents a compelling next step. This is a senior, revenue-generating leadership role within the Banking function, accountable for end-to-end ownership of a commercial SME portfolio, including origination, credit structuring, portfolio risk management and performance delivery. The role holder will combine front-office relationship management with strong credit capability, driving sustainable growth across assets, liabilities and trade finance, while maintaining robust oversight of portfolio quality, regulatory compliance and operational governance. This position carries full accountability for portfolio income, balance sheet growth and client retention, alongside leadership of the specilaist team and contribution to broader regional strategy. Core Responsibilities 1. Portfolio Ownership & Revenue Delivery Manage and grow a diverse portfolio of SME and corporate clients, typically comprising 40-70 borrowing and non-borrowing relationships Deliver against defined revenue targets, with portfolios typically generating £750k - £1.5m+ annual income Drive wallet share expansion across lending, deposits, trade finance and treasury products Actively optimise portfolio utilisation, pricing and return on capital 2. Business Development & Origination Originate new-to-bank relationships through structured business development activity, targeting 10+ new relationships annually Build and execute a robust pipeline strategy across key sectors (e.g. trading businesses, property, healthcare, retail, import/export) Leverage networks, introducers and local market presence to drive sustainable portfolio growth Cross-sell across lending, liabilities, FX and trade products 3. Credit Structuring & Risk Ownership Lead the end-to-end credit lifecycle from origination through to approval and monitoring Conduct detailed financial analysis (balance sheet, P&L, cashflow) including ratio analysis and stress testing Structure facilities including: Working capital facilities Property-backed lending Buy-to-Let (residential & commercial) Asset finance and project/bridging finance Prepare and present comprehensive credit papers (10-20+ pages) for internal credit committees Recommend appropriate security structures, covenants and risk mitigants 4. Credit Committee & Governance Present transactions to Credit Committee and senior stakeholders, demonstrating clear risk/reward articulation Maintain accountability for credit quality, early warning indicators and portfolio health Manage renewals, amendments and ongoing monitoring in line with internal policy 5. Client Relationship Management Act as a trusted advisor to SME and corporate clients, delivering tailored banking solutions Maintain high levels of client engagement through regular meetings and proactive portfolio reviews Oversee complex client needs, including multi-product relationships and structured facilities Drive high standards of customer outcomes (TCF) and service delivery 6. Leadership & Team Management Lead, mentor and develop a team of Relationship Managers and support staff Drive a high-performance culture aligned to revenue, risk and service KPIs Provide coaching on credit structuring, business development and client management Support the Area Head in delivering bank strategy, budgeting and performance reporting 7. Regulatory & Compliance Oversight Ensure full adherence to FCA / PRA requirements, SMCR and internal governance frameworks Oversee CDD / EDD processes, including complex and PEP relationships Maintain strong oversight of AML, KYC and operational risk controls Ensure all activity aligns with internal policies and regulatory expectations Key Deliverables / Success Metrics Portfolio growth across assets, liabilities and income New client acquisition and pipeline conversion Credit quality and low impairment levels Delivery against P&L and balance sheet targets Team performance and staff development outcomes Experience Required Proven track record managing SME / Commercial Banking portfolios (£5m-£200m+) Strong credit underwriting capability with experience presenting to credit committees Demonstrable experience structuring complex lending transactions (property, working capital, trade) Established network and ability to originate new business consistently Experience managing or mentoring teams within a bank or regional banking environment Strong understanding of UK regulatory environment (FCA, PRA, AML, TCF) Leadership & Competencies Commercially driven with clear P&L ownership mindset Strong influencing capability across credit, risk and senior stakeholders Ability to balance growth vs risk discipline High levels of client credibility and relationship depth Structured, analytical approach to decision-making
City + Capital are currently representing a dynamic and innovative specialist property finance lender who are well funded and looking to substantially grow their bridging finance loan book. To achieve this, they are keen to appoint an experienced & knowledgeable BDM to their growing team at an exciting time. The Company Our client operates within the specialist lending sector and are largely known for supporting brokers and investors with access to debt for property related projects. Offerings include bridging finance, BTL and loans to support developments & heavy refurbishments. Today, our client can demonstrate a loan book that has already grown substantially to record volumes & a leadership team who are true experts in the specialist lending space. With an outstanding market reputation, they have become renowned as a 'go to' for complex specialist lending. As a result, they are seeking an individual with outstanding structural knowledge of bridging finance, an adept communicator who can create deals, prepare papers and head out on the road to build relationships with new & existing brokers and clients. Role Overview As Business Development Manager you will be a key face in the market and will ultimately take responsibility for identifying and funding deals that meet our client's appetite. To achieve this, you will strategically manage your own diary of appointments with brokers and borrowers to onboard new applications for assessment and funding. You will be ably supported by our client's experienced and hard-working internal sales, case management and underwriting/credit specialists as the lending cycle progresses. You will undertake initial deal assessments upon origination before engaging the broader team. You will take responsibility for the pipeline of loans and continuing to progress activity across internal and external stakeholders. You will remain as the main point of contact throughout. Ultimately, you will be tasked to achieve important lending targets for your region that are critical in ensuring our client can achieve their own annual objectives - making this a key hire, at an exciting time of growth. Responsibilities Identify and onboard lending opportunities from brokers or borrowers Undertake initial deal assessments to ensure the loan meets the required criteria Expand your broker network through business development activity and events Attend key industry events and represent the business in public forums Play a senior role to internal sales and case management teams Maximise bridging sales by enhancing market knowledge & innovating new products Conduct competitor analysis when required, to understand market mapping Oversee pipeline progression, addressing issues and bottlenecks & driving completions Achieve lending targets in line with company targets Candidate Requirements The ideal individual for this role will be highly experienced in bridging finance originations and deal funding and will be someone who has a strong and valued relationship within the industry. You will be confident when managing your own diary to achieve lending targets, by splitting time between brokers and borrowers and pipeline management. You will be a natural leader in approach, quick to engage others on a shared journey. You will be confident when undertaking initial deal assessments and will be able to facilitate loan transactions to completion. You will be driven, proactive and an outstanding communicator. Minimum 3 years' experience within bridging finance sales or broker management A proven track record of achieving lending targets / lending growth Heavily connected in the specialist lending broker and borrower space Strong deal structuring knowledge & capacity to develop credit papers Ability to ensure credit decisions are made in alignment with policies Outstanding time management and prioritisation skills Exceptional stakeholder management background Integrity, committed to providing outstanding customer service On Offer Our client is ideally looking to pay between £70k - £100k as a basic salary for the ideal individual, which will be relevant to experience. Higher offers may also be considered for exceptional track record in the bridging finance space. Your salary will be complemented by an excellent bonus structure that will allow you to significantly increase earnings, based on performance to lending objectives. This role is a home-based role. However, it is also expected that you will be able to travel to our clients London HQ one day per week to support team collaboration, strategy and performance. Next Steps There is a reasonable amount of urgency to fill this position in line with objectives. Due to the nature of the role & opportunity, you do not expect it to be on the market for long! If this role does sound like one that you are both qualified for and interested in, then we look forward to your application as soon as possible. Once we have reviewed your application we will be in touch with an update. We look forward to hearing from you. The City + Capital Team
Mar 21, 2026
Full time
City + Capital are currently representing a dynamic and innovative specialist property finance lender who are well funded and looking to substantially grow their bridging finance loan book. To achieve this, they are keen to appoint an experienced & knowledgeable BDM to their growing team at an exciting time. The Company Our client operates within the specialist lending sector and are largely known for supporting brokers and investors with access to debt for property related projects. Offerings include bridging finance, BTL and loans to support developments & heavy refurbishments. Today, our client can demonstrate a loan book that has already grown substantially to record volumes & a leadership team who are true experts in the specialist lending space. With an outstanding market reputation, they have become renowned as a 'go to' for complex specialist lending. As a result, they are seeking an individual with outstanding structural knowledge of bridging finance, an adept communicator who can create deals, prepare papers and head out on the road to build relationships with new & existing brokers and clients. Role Overview As Business Development Manager you will be a key face in the market and will ultimately take responsibility for identifying and funding deals that meet our client's appetite. To achieve this, you will strategically manage your own diary of appointments with brokers and borrowers to onboard new applications for assessment and funding. You will be ably supported by our client's experienced and hard-working internal sales, case management and underwriting/credit specialists as the lending cycle progresses. You will undertake initial deal assessments upon origination before engaging the broader team. You will take responsibility for the pipeline of loans and continuing to progress activity across internal and external stakeholders. You will remain as the main point of contact throughout. Ultimately, you will be tasked to achieve important lending targets for your region that are critical in ensuring our client can achieve their own annual objectives - making this a key hire, at an exciting time of growth. Responsibilities Identify and onboard lending opportunities from brokers or borrowers Undertake initial deal assessments to ensure the loan meets the required criteria Expand your broker network through business development activity and events Attend key industry events and represent the business in public forums Play a senior role to internal sales and case management teams Maximise bridging sales by enhancing market knowledge & innovating new products Conduct competitor analysis when required, to understand market mapping Oversee pipeline progression, addressing issues and bottlenecks & driving completions Achieve lending targets in line with company targets Candidate Requirements The ideal individual for this role will be highly experienced in bridging finance originations and deal funding and will be someone who has a strong and valued relationship within the industry. You will be confident when managing your own diary to achieve lending targets, by splitting time between brokers and borrowers and pipeline management. You will be a natural leader in approach, quick to engage others on a shared journey. You will be confident when undertaking initial deal assessments and will be able to facilitate loan transactions to completion. You will be driven, proactive and an outstanding communicator. Minimum 3 years' experience within bridging finance sales or broker management A proven track record of achieving lending targets / lending growth Heavily connected in the specialist lending broker and borrower space Strong deal structuring knowledge & capacity to develop credit papers Ability to ensure credit decisions are made in alignment with policies Outstanding time management and prioritisation skills Exceptional stakeholder management background Integrity, committed to providing outstanding customer service On Offer Our client is ideally looking to pay between £70k - £100k as a basic salary for the ideal individual, which will be relevant to experience. Higher offers may also be considered for exceptional track record in the bridging finance space. Your salary will be complemented by an excellent bonus structure that will allow you to significantly increase earnings, based on performance to lending objectives. This role is a home-based role. However, it is also expected that you will be able to travel to our clients London HQ one day per week to support team collaboration, strategy and performance. Next Steps There is a reasonable amount of urgency to fill this position in line with objectives. Due to the nature of the role & opportunity, you do not expect it to be on the market for long! If this role does sound like one that you are both qualified for and interested in, then we look forward to your application as soon as possible. Once we have reviewed your application we will be in touch with an update. We look forward to hearing from you. The City + Capital Team
