Relationship Director – Bridging & Short-Term Lending

Cynergy Bank

Hybrid Working Pattern - 3 days in Office & 2 WFH

About Us

Cynergy Bank is the UK’s human digital bank serving the needs of ‘scale up’ or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals, in essence those market segments that still value human service enabled by great technology.

We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their interdependent banking needs. We provide a comprehensive range of digitally enabled products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers.

Our human and digital model transforms banking for customers who still value a face-to-face relationship that is enabled by the latest digital technology.

We partner with firms such as Google Cloud, Cigniti and Slalom as we continue to innovate in the human digital space.

Cynergy Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits with Cynergy Bank plc are protected by the UK Financial Services Compensation Scheme.

For more information on Cynergy Bank visit www.cynergybank.co.uk

Company Benefits

• Competitive Salary and Company Bonus
• Competitive holiday allowance plus bank holidays
• Option to purchase an additional 10 days holiday
• Pension contribution and Life Assurance
• Income Protection Scheme and Season Ticket Loan
• Medical Cover (After Probation)
• Electric Car Scheme and Money Coach (After Probation)
  
  

Responsibilities:

• Experience in bridging and short-term lending.
• Demonstrate high quality asset class knowledge in Real Estate Finance
• Network of introducers active in the mid-market (£5m - £30m) debt space
• Effective stakeholder management
• Needs to demonstrate end to end knowledge across the customer journey covering origination, deal structuring, deal execution and ongoing risk management.
• Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured papers.
• Experience in the analysis of development finance cashflow transactions would be advantageous.
• Understand and adhere to the Bank’s policies and procedures with particular reference to:
• Consumer Duty (incorporating consideration of Vulnerable Customers)
• Fair Treatment of Customers
• Information Security and Data Protection Act 2018 (GDPR)
• Risk management and reporting of risk management incidents
• Regulatory compliance and prevention of financial crime
• Disaster recovery and business continuity
• Conduct Rules and Professional Standards
  

Desirable knowledge & Experience:

• University Degree
• Banking Exams
• Evidence of Continuous Professional Development
  
  

Behavioural Attributes:

• Strong problem-solving ability.
• Ability to effectively coach and mentor colleagues providing future succession for the Bank.
• Motivate, inspire and create and effective team to achieve set common and individual goals.
• Support Bank wide Forums as required or identified.
• Cooperate with and help colleagues across our business, performing other reasonable tasks as may be required from time to time.
• Demonstrate alignment and actively promote the Bank’s values.
  
  

Risk and/or governance responsibilities

• Ensure all client onboarding is completed and actioned in accordance with policy.
• Work collaboratively alongside 2LOD to ensure transactions are structured appropriately reflecting the Bank’s risk appetite.
• Demonstrate a high level of preparedness for ECC presentations, providing a significant degree of comfort to ECC voting members.
• Play an active role in the transaction execution phase ensuring compliance with sanctioned terms pre drawdown.
• Proactively ensure a smooth handover of customers to the portfolio management team, once a transaction has been successfully concluded.
• Demonstrate a high level of understanding of the Bank’s KYC and AML procedures.
• Ensure procedure manuals are regularly reviewed and updated to support the adherence to agreed policy and procedures.
• Ensure that all material audit, risk or compliance issues and audit action points are concluded promptly and within agreed deadlines.
  
  

Cynergy Bank was established in 2018 by entrepreneurs to serve the needs of business owners, property entrepreneurs and family businesses. We have a strong track record supporting businesses that want to scale up and provide over £3bn lending to scaling businesses across the UK, we also offer retail deposits to UK savers. Our vision is to provide a truly personalised service that is delivered through face-to-face relationships and enhanced by the latest technology.