Lending Manager

Hello,

We are Recognise Bank.

Our vision is to become the UK’s leading business bank, providing tailored lending and savings solutions designed to meet the unique needs of modern SMEs. Founded in 2017 by experienced business owners, Recognise Bank was born out of a shared frustration with the traditional banking industry’s lack of understanding, flexibility, and certainty for small and medium-sized businesses. We believed there was a better way to serve the SME community—and we set out to create it.

In 2021, we received our banking licence and quickly built a strong community of loyal business customers, supported by our dedicated, diverse, and expert team. At Recognise Bank, our customers are at the heart of everything we do. We offer a range of flexible lending solutions and secure, FSCS-protected savings accounts with competitive interest rates, empowering businesses to thrive with confidence.

About the role

As a Lending Manager at Recognise Bank you manage a range of commercial property secured loans, working closely with customers, professional partners, and collaborating with internal teams. Key duties include handling new lending proposals from referral to drawdown, monitoring loan portfolios through to maturity, and ensuring timely collection of customer information to maintain Key Risk Indicators (KRIs). The role also supports the Senior Lending Manager in growing and retaining a customer portfolio, building strong relationships with clients, advisors, and brokers. Additionally, the Lending Manager will help improve operational systems and enhance the customer experience while ensuring compliance with lending policies and maintaining portfolio quality.

• Collaborating with Business Development, Credit Partners and third party professionals to ensure timely loan drawdowns, adhering to lending policies and credit risk guidelines.
• Conduct due diligence and ensure compliance with KYC and money laundering regulations.
• Proactively manage new and existing loans with accuracy, meeting borrower timelines and delivering excellent customer service.
• Build and maintain strong customer relationships for repeat business.
• Represent the Recognise brand in customer meetings and engage with external advisors.
• Oversee loan portfolios and submit credit submissions as needed.
• Collaborate with Senior Lending Manager to meet performance targets.
• Optimize credit risk exposure by understanding customer business models and cash flows.
• Manage arrears, debt restructuring, and vulnerable customer cases.
• Communicate effectively with internal and external stakeholders.
• Support lending-related projects and adhere to company policies and risk management standards.

• Minimum of 3-5 years’ experience in loan execution, credit analysis, and portfolio management.
• Proven ability to manage multiple tasks with high accuracy and tight deadlines.
• Strong knowledge of commercial property secured lending sectors, with up-to-date market insights from a loan management perspective.
• A track record of delivering outstanding service to customers.
• Good understanding of loan and security documentation.

Why join Recognise Bank:

At Recognise Bank, we are passionate about building a team that thrives on innovation, collaboration, and shared success. We would love for you to join us and be part of our journey to deliver exceptional banking experiences.

When you join Recognise, you’ll enjoy a range of benefits designed to support your work-life balance, personal growth, and well-being:

Generous Time Off: 25 days of annual leave plus bank holidays.

Work From Anywhere: 4 weeks of Work From Anywhere allowance per year.

Learning & Development: Tailored training and development programs to help you grow professionally.

Sports & Wellness: Opportunities to join company sports leagues, including football, darts, and golf.

Hybrid Working: A flexible working model with 3 days in the office and 2 days remote per week.

Recognise Bank is proud to be an equal opportunity employer. We celebrate diversity and are committed to fostering an inclusive environment where everyone feels valued and empowered to contribute their best.

We’re excited about the possibility of you joining our team and helping us shape the future of banking.