Credit Relationship Manager - Special Asset Management

Who we are:

Triodos Bank is an award-winning organisation and one of Europe's leading sustainable banks, whose mission is to make money work for positive social, environmental, and cultural change. We offer a wide range of banking services for people who want to use their money consciously - from current accounts through to investments and savings. We only finance companies, organisations and projects that benefit people and the environment.

We're a certified B Corporation, meaning that we are part of a community of businesses driving the shift to a new kind of economy, that is better for workers, better for communities and better for the environment.

The Opportunity:

We are excited to be recruiting for a Credit Relationship Manager - Special Asset Management on a full-time, permanent basis. This role can be based in our Bristol, London, or Edinburgh office. Typically, you will be required to work from the office two days per week, with the option to work remotely on the other days.

The overall purpose of the role is to manage high-risk relationships to achieve recovery for customers where possible, and to minimise credit losses for bank.

You will also manage credit facilities with the Business Banking team, so that we provide credit to suitable customers at fair levels of risk and reward.

This role will also require you to deputise for Senior Credit Relationship Manager as required.

At Triodos, we recognise the importance of maintaining a healthy work-life balance and are dedicated to supporting our employees' wellbeing. We offer a range of flexible working options, including part-time roles, varied working patterns, and a hybrid work environment. While this is a full-time position, we also welcome applications from candidates seeking part-time or flexible arrangements. If you would like to be considered for part-time hours, please outline your preferred working pattern in your cover letter.

Key Responsibilities include:

• Manage a portfolio of high-risk customers, including those in recovery or insolvency, acting as Relationship Manager and primary point of contact.
• Liaise with customers and their advisers through various channels to devise and negotiate recovery, restructuring, or workout strategies.
• Ensure Treating Customers Fairly (TCF) principles and fair outcomes are central to all strategy, monitoring, and management activities.
• Conduct credit reviews, analyse borrower data, and report on loan portfolio performance, flagging adverse movements or risks as needed.
• Collaborate with senior management and Market Communications to manage reputational risk, keep stakeholders informed, and support the wider business.
• Support pre-default cases and the Credit Analysis function as required, helping to avoid defaults and meet service level agreements.
• Comply with all regulatory and internal governance requirements, deputising for the Senior Credit Relationship Manager when necessary.

What we are looking for:

To be successful in this role you will have proven experience in UK SME business lending, with a strong track record of managing high-risk clients and overseeing recovery situations. A thorough knowledge of current legal practices, risk appraisal, and lending procedures is essential, along with proficiency in communication and IT. Experience with the underwriting of commercial loans and overdrafts is desirable.

The successful applicant will demonstrate a detailed approach to information analysis and sound decision-making, with the ability to balance commercial considerations against risk in lending positions. A solid understanding of regulatory requirements, including practices relating to Vulnerable Customers, Forbearance, and Treating Customers Fairly (TCF) principles, is also required.

What We Offer:

In return for your hard work and expertise, you will receive a competitive full time equivalent salary of between £52,000 and £57,000 depending on experience, plus access to our extensive benefits package, where most of our benefits are non-contributory.

Our benefits include:

• Non-contributory pension scheme from your first day of 8% in year 1 and 10% from year 2 onwards
• Life Assurance (worth 4 times basic pay)
• Income Protection - 75% of basic pay after 13 weeks sick and following six months service
• Private Medical Insurance with optional enhanced or HCP family coverage
• A Health Cash Plan
• Vitality Leave - After each 5 years of service, you will be able to take a sabbatical of up to 3 months. This benefit is then available after every 7 years of service thereafter.
• 27 days (Full Time Equivalent) annual leave plus bank holidays per annum increasing to 30 days after 2 years' service
• A buy and sell holiday scheme of up to 5 days (Full Time Equivalent) up to maximum of 35 days total annual leave
• 5 days fully paid carers leave
• A wellbeing allowance of £200 a year
• 1 Wellbeing Day
• Free yoga classes
• Co-worker retail discounts
• Cycle to work scheme
• Refer a Friend scheme
• Colleague recognition voucher scheme

We are committed to diversity and inclusion and would therefore welcome applications for candidates from underrepresented and neurodiverse backgrounds. We value that receiving applications from candidates with diverse backgrounds is key in supporting our inclusive organisation to grow. We don't want to miss out on candidates who feel they don't exactly match the job description requirements, so if this is a role that sounds interesting to you, and you feel you could add value to the role please do apply. You could be exactly what we need!