Job Description

Application Deadline: Thursday 24th April
Hybrid Working Pattern - 3 days in Office & 2 WFH
About us
Cynergy Bank is the UKs human digital bank serving the needs of xe2x80x98scale up or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals, in essence those market segments that still value human service enabled by great technology.
We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their interdependent banking needs. We provide a comprehensive range of digitally enabled products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers.
Our human and digital model transforms banking for customers who still value a face-to-face relationship that is enabled by the latest digital technology.
We partner with firms such as Google Cloud, Cigniti and Slalom as we continue to innovate in the human digital space.
Cynergy Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits with Cynergy Bank plc are protected by the .
For more information on Cynergy Bank visit
Company Benefits

• Competitive Salary and Company Bonus
• Competitive holiday allowance plus bank holidays
• Option to purchase an 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)

The Role:
The FIG team operates as a 1LOD while prospecting, onboarding and structuring new wholesale funding opportunities for the Bank. The team aims to strike a balance between the commercial growth objectives as well as prudent risk management, always aiming to deliver long term sustainable value for the Bank.
Responsibilities:

• You will be responsible for supporting customers with Structured Property Finance needs across the Real Estate life cycle namely Bridging, Development, Stabilisation and Investment phases.

• Support and the design and implementation of the banking strategy in region; include achievement of growth, income targets and adherence to the Banks standards in respect of operational and regulatory risk.

• Understand the banks products and services, proactively identify and action sales opportunities in order to meet business objectives.

• Meet growth, performance and income targets through the proactive development of new business from professional network.

• 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.

• Post-drawdown ensure an effective handover is provided to either Associate or Relationship Director who will assume direct responsibility for the connection.

• Maintain delivery of a high quality service to customers as required.

• Ensure that all clients are fully compliant with the Banks AML policies and procedures.

• Ensure that KYC procedures including the requirements for periodic reviews in accordance with the AML framework on all customer connections are maintained and recorded.

• Build and maintain effective relationships with key business partners to maximise potential growth of business.

• Build knowledge and understanding of relevant markets and customers in order to anticipate and meet their needs.

• Monitor market developments and competitor activity. Recommend and implement appropriate action to ensure the Bank competes effectively.

• Pro-actively support the monitoring of credit portfolio and take action as necessary to minimise risk and ensure quality account management.

• Manage relevant Management Information and ensure appropriate action is reported.

• Review credit applications in accordance with policy and take action as necessary to minimise risks and ensure quality account management of the credit portfolio.

• Provide input to Bank policy including lending guidelines, product development and overall risk management.

Additional responsibilities for all employees

• Actively promote and practise the Banks Guiding Principles.

• Understand and adhere to the Banks policies and procedures with particular reference to:

• Consumer Duty (incorporating consideration of Vulnerable Customers)

• Fair Treatment of Customers

• Information Security and Data Protection Act 2018 (GDPR)

• Risk management and reporting of risk management incidents

• Regulatory compliance and prevention of financial crime

• Disaster recovery and business continuity

• Conduct Rules and Professional Standards

Cynergy Bank was established in 2018 by entrepreneurs to serve the needs of business owners, property entrepreneurs and family businesses. We have a strong track record supporting businesses that want to scale up and provide over 33bn lending to scaling businesses across the UK, we also offer retail deposits to UK savers. Our vision is to provide a truly personalised service that is delivered through face-to-face relationships and enhanced by the latest technology.