Overview

Relationship Director - Structured Property Finance, Bridging & Stabilisation

Cynergy Bank is the UK’s human digital bank serving SMEs, professionals and high net worth individuals. This role joins a high-growth, specialist lender with ambitious expansion plans in structured and bridging finance.

Responsibilities

• Play a key role in driving origination and expanding our footprint in the £10m–£50m lending segment.
• Leverage your technical expertise to structure tailored lending solutions, particularly around stabilisation and transitional assets.
• Operate within a collaborative and agile team environment, supported by robust credit, legal, and operational infrastructure.
• Contribute to the evolution of our lending strategy, product development, and market positioning.
• 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 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 to colleagues who will assume direct responsibility for the connection.
• Maintain delivery of high-quality service to customers as required.
• Build and maintain effective relationships with key business partners to maximise potential growth of business.
• Build knowledge of relevant markets and customers to anticipate and meet their needs.
• Monitor market developments and competitor activity; recommend and implement appropriate action to ensure the Bank remains competitive.
• 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 to minimise risks and ensure quality account management of the credit portfolio.
• Ensure clients are compliant with AML policies and KYC procedures, including periodic reviews.
• 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 growth and income targets and adherence to operational and regulatory risk standards.

Qualifications / Required Skills

• Minimum 5 years’ experience in mid-market lending, with emphasis on structured property finance, bridging, and stabilisation facilities.
• Proven ability to originate and execute complex transactions, including stabilisation loans at practical completion where properties transition from development to income-generating assets.
• Exposure to residential development, PBSA, commercial real estate, trading businesses and mixed-use schemes.
• Well-established network of introducers, brokers, and KBIs in the £10m+ lending space.
• Strong credit analysis and structuring skills, with ability to assess cash flow risks, lease-up dynamics, and mitigate factors to ensure covenant compliance during stabilisation.

Benefits

• Holiday allowance plus bank holidays and day off for your birthday
• Option to purchase 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

Details

• Location: London, England, United Kingdom
• Seniority level: Mid-Senior level
• Employment type: Full-time
• Job function: Business Development and Sales
• Industries: Banking