Reporting to the Client Services Team Leader, the Client Services Manager will manage the in-life portfolio of SME clients, ensuring effective credit stewardship, maintaining strong customer relationships, mitigating risk, and identifying further income opportunities.
The role is focused on providing excellent customer service, managing periodic credit reviews and risk reporting efficiently.
Accountability & Responsibilities:
*Responsible for the day-to-day in-life management of a portfolio of SME secured lending clients.
*Maintain strong working relationships with clients to support their ongoing needs and ensure retention.
*Proactively manage credit risk within the portfolio, ensuring adherence to credit policies.
*Monitor exception reports and address risk issues promptly.
*Complete periodic reviews of clients (at least annually), using a short-form analysis approach focusing on
*Ongoing asset security, key financial and risk indicators.
*Deliver and maintain a high-quality customer service.
*Act as a key point of contact for client queries and support needs.
*Identify additional income opportunities within the existing client base e.g., upselling, cross-selling.
*Generate referrals to relevant business areas where appropriate, contributing to business growth.
*Connect, collaborate and engage with key stakeholders, internal and external, to maximise and maintain relationships, as well as ensure
*seamless client management.
*Work collaboratively to support credit approval processes, documentation, and escalate concerns to the Client Services Team Leader.
Skills& Experience:
*Strong understanding of secured lending products and credit risk principles.
*Excellent customer relationship management skills.
*Analytical skills for assessing client financials and risk indicators.
*Strong communication skills – written and verbal, with the ability to engage stakeholders at all levels and our clients.
*Time management skills - prioritise work effectively and be able to work under pressure to meet agreed service levels, whilst maintaining high accuracy.
*Commercial acumen to identify revenue opportunities within the client portfolio.
*Experience in portfolio management, relationship management, or credit risk within the SME lending or financial services sector.
*Knowledge of UK SME lending market and secured lending products.
*Familiarity with credit analysis and risk assessment tools.
*Strong Microsoft Office skills, particularly Excel and reporting tools.
Benefits:
In addition to a competitive salary, you’ll also benefit from:
*Competitive Basic Salary
*28 days annual leave, plus bank holidays
*An extra day’s annual leave for your birthday
*An employer pension contribution of 10% of your base salary
*Company paid for Private Medical Insurance, Health Cash Plan and Employee Assistance Program
*Access to a range of gym & retail discounts and perks
*Death-in-Service benefit of four times your salary
*Salary sacrifice scheme to purchase an electric car
*Bonus – dependent on personal performance
Location: Leeds (Hybrid)