Application Deadline: 19 September 2025

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)

The Role

To support a portfolio of customers experiencing trading / financial challenges and assist them either through a turnaround / restructure and return to normal bank management. Or, if that is not possible, help them secure an alternative funding solution.

Main Responsibilities

• Understand the bank’s products and services, proactively identify and action appropriate opportunities to assist the customer, in line with our customer risk appetite.
• Monitor and record repayment arrangements, security, covenants and other conditions agreed.
• Proactive management of a portfolio of clients that need restructuring support. After assessing the underlying business’ viability, work with customers on the potential options available to them, balancing the Bank’s objective to protect its capital and work with customers to achieve solvent and consensual outcomes, wherever possible.
• Develop amend & implement appropriate customer strategies.
• Independently assess, critically evaluate, prepare and submit appropriate credit applications for restructuring and associated loan facilities, ensuring appropriate commentary and analysis to aid credit decision making to the high standards expected.
• Maintain delivery of a high-quality service to customers.
• Work with customers with respect and empathy, ensuring customers have time to consider their options and have access to appropriate professional advice.
• Ensure any complaints are managed effectively and responded to within agreed timescales.
• Ensure we manage the BSR portfolio in line with the departmental Procedures Manual to minimise risk and maintain appropriate record keeping demonstrating such.
• Maintain high-quality and effective relationships with internal and external stakeholders, including advisers, lawyers and other funders externally; Finance and Frontline colleagues internally, amongst others.
• Ensure that the portfolio is fully compliant with the Bank’s AML policies and procedures
• Maintain all departmental templates and amend them as appropriate
• At all times adhere to TCF and Vulnerability principles, identifying customers in vulnerable situations and providing appropriate reasonable adjustments to their circumstances.
• Build knowledge and understanding of relevant restructuring trends and techniques to anticipate and implement suitable customer support strategies.
• Commence enforcement action or, where appropriate, instruct external solicitors to do so.
• Key stakeholder communication and engagement across 1st and 2nd line. Managing expectations and working collaboratively to deliver best outcomes
• Ability to communicate complex matters effectively to senior stakeholders
• Remain up to date with current market developments
• Provide feedback, guidance and training as required to enhance standards within the business
• Deliver ad-hoc projects as required by the business

Required Skills / Experience

• 10 + years Banking experience
• Previous general Banking experience including specific risk management 2LoD areas, or portfolio management
• Previous experience of a broad range of commercial business sectors including Real Estate knowledge essential
• Prior experience of managing customers in difficulty and prior experience of restructuring debt facilities
• Good knowledge of risk oversight and assurance assessments, processes, and reporting
• Strong knowledge of real estate, mid-market corporate business credit risk and financial analysis
• Robust Credit reporting experience
• Experience of presenting at credit committees
• Competent user of Microsoft Excel, Word and PowerPoint
• Knowledge of Salesforce & nCino platforms
• Experience of working in a fast paced environment that requires quick decision making
• Strong interpersonal skills with the ability to work across teams & independently
• Ability to manage challenging situations and conflict
• Ability to manage complex lending arrangements
• Strong commercial judgement, focused on helping businesses stabilise or turnaround, not just exit/workout
• Strong problems solving abilities
• Strong Negotiation & influencing skills

Behavioural Attributes

• Professional, enthusiastic, flexible and committed with a strong work ethic
• Analytical & strong attention to detail
• Effective team player
• Desire to learn and improve performance of self and others
• Resilient
• Ability to build rapport with people at all levels in the business whilst retaining a high level of professionalism