Specialist Portfolio Manager - Healthcare
Allica Bank · London, United Kingdom · 12d ago
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 Allica Bank and the Team
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.
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 Head of Healthcare, you will be responsible for supporting the management and development of relationships across a portfolio of remotely managed SME healthcare clients throughout the UK, with a particular focus on elderly care, specialist learning disability providers and children's day nursery operators.
Your role will be the relationship contact point for these businesses, delivering high-quality in-life portfolio management, monitoring customer performance and covenant compliance, supporting periodic credit reviews, and contributing to the seamless delivery of Allica Bank's Healthcare lending proposition.
First and foremost, this is a relationship-driven role, and we are seeking candidates who are comfortable engaging with business owners and building strong professional relationships. You will be passionate and curious about understanding customers' businesses, their plans and ambitions, and how Allica can support their growth, while ensuring effective portfolio oversight and risk management.
Principal Accountabilities
Support Specialist Relationship Managers in managing a portfolio of SME healthcare customers across the UK, including elderly care homes, specialist care providers and children's day nurseries.
Act as the primary point of contact for in-life portfolio management matters, including information undertakings, covenant compliance, financial monitoring and customer reviews.
Analyse management information, audited accounts, cash flow forecasts and business plans to assess performance, monitor financial health and identify emerging risks.
Monitor covenant compliance, undertake regular portfolio reviews and escalate emerging risks, issues and exceptions to the relevant Relationship Manager.
Prepare annual customer reviews, periodic credit reviews, credit application system submissions and associated portfolio monitoring documentation in line with credit policy requirements.
Utilise data analytics, AI tools and portfolio monitoring systems to enhance customer oversight, improve efficiency and support effective portfolio management.
Work collaboratively with Relationship Managers, Credit, Operations, Collections and Recoveries to support customer outcomes and agreed remediation strategies where required.
Maintain strong governance through adherence to regulatory requirements, internal controls, policies, procedures and Allica's values.
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
You will have 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.
You will be able to evidence 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.
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.