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.

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.

The Role:

This is the perfect opportunity for a successful Relationship Director to join a dynamic challenger bank with ambitious balance sheet growth targets. We are seeking a highly capable individual with a robust network of Key Business Influencers (KBIs) and the ability to operate effectively in the £10 million to £50 million lending space. The ideal candidate will possess strong technical expertise, a client-centric approach, and the enthusiasm to make an immediate impact.

Our organisation fosters a collaborative team environment, and the successful candidate will receive comprehensive support to ensure their success in the role.   

Main Responsibilities:

• Understand the bank’s products and services, proactively identify and action sales opportunities in order to meet business objectives.
• Meet growth, performance and income targets through the proactive development of new business from professional networks.
• Independently assess, critically evaluate, prepare and submit applications for loan facilities, ensuring appropriate commentary and analysis to aid decision making to the high standards expected.
• Proactively manage all transactions from credit assessment through to completion alongside Transaction Execution Manager.
• Ensure an effective post-drawdown handover is provided to colleagues who will assume direct responsibility for the connection.
• Maintain delivery of a high quality service to customers as required.
• Build and maintain effective relationships with key business partners to maximise potential growth of business.
• Build knowledge and understanding of relevant markets and customers in order to anticipate and meet their needs.
• Monitor market developments and competitor activity. Recommend and implement appropriate action to ensure the Bank competes effectively.
• Proactively support monitoring of the credit portfolio and take action as necessary to minimise risk and ensure quality account management.
• Review credit applications in accordance with policy and take action as necessary to minimise risks and ensure quality account management of the credit portfolio.
• Ensure that all clients are fully compliant with the Bank’s AML policies and procedures.
• Ensure that KYC procedures including the requirements for periodic reviews in accordance with the AML framework on all customer connections are maintained and recorded.
• Manage relevant Management Information and ensure appropriate action is reported.
• Provide input to Bank policy including lending guidelines, product development and overall risk management.
• Support the design and implementation of the banking strategy, including achievement of growth, income targets and adherence to the Bank’s standards in respect of operational and regulatory risk.

Required Skills / Experience:

• Minimum of 3 years of experience in mid-market lending.
• Proven background in structured finance and investment lending.
• Demonstrated network of contacts, introducers, and Key Business Influencers (KBI) in the £10 million+ lending space.
• Strong credit analysis and assessment skills.
• Experience across a variety of asset classes is advantageous.

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

• Holiday allowance plus bank holidays and day off for your birthday 
• 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)

Hybrid Working Pattern: 3 days in Office & 2 WFH