Company Description

We’re Together – the market leading property finance experts with an entrepreneurial spirit. Based in Cheadle, South Manchester, we’ve been established since in 1974 and have built a team of over 750 colleagues, who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.

We pride ourselves on our common sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders.   Our customers are central to everything we do and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality. 

We’re looking for great people from all backgrounds and experiences who love working together and putting our customers at the heart of everything we do – and that starts with our brilliantly different team of people. 

Job Description

As a Corporate Portfolio Manager, you will be responsible for managing a portfolio of Corporate Customers as well as having oversight of the broader book supporting with the strategy for exposure management, arrears management along with devising policies and procedures.

You will work with the wider team to deliver appropriate risk strategies for existing Corporate Customers. Working to achieve a commercially balanced sustainable solution, assessing the credit position and identifying the right option suitable to meet both the Customer and business needs. This will include assessing new lending opportunities and maintaining an ongoing review of the Customer’s wider business to identify credit appetite.

In addition, you will support the internal Collections & Recoveries functions to reduce the number of non-performing cases by providing advice, guidance and insight and work with Sales Channels to support on new lending opportunities were additional skill & technical input is required.

As a Corporate Portfolio Manager, we are looking for someone to:

• Develop relationships at all levels with senior stakeholders and existing Corporate Customers to enable successful business relationships in the future
• Use product knowledge and market expertise to offer credit risk based solutions in order to build key relationships, reduce risk and increase business
• Actively manage allocated corporate accounts by implementing credit strategies to effectively & efficiently minimise credit risk; providing solutions and creating potential lending opportunities where appropriate
• Manage, track & analyse departmental data to support the decision making process
• Work with the wider business to identify & manage horizon risks
• Maintain strong & relevant industry knowledge across all asset type, sectors and regions
• Support the management of the department by identifying process opportunities to improve the outcome for Customer and our business

Qualifications

Essential

• Strong relationship management & negotiating skills
• Expert knowledge of the commercial & residential lending market
• Deep knowledge of credit management strategies
• Strong communication skills
• Effective presentation skills
• Good understanding of financial accounts & cash flow forecasts

Additional Information

Benefits working at Together

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Buy & sell holidays
• Discretionary annual bonus
• Matched pension contribution
• Life assurance
• Critical illness cover
• Health cash plan
• Private medical insurance
• Free access to company holiday homes
• Travel season ticket loans
• Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

Together Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.

We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.