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Allica Bank

Central Relationship Manager

Allica Bank

. Relationship-manage a centralised portfolio of local SMEs .

Posted 11/5/2026full-timeManchester • United KingdomMid-LevelSeniorWebsite

Core Competencies

Role fit
Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in SME lending, including commercial mortgages and credit risk management, while building strong, trust-based relationships with clients. Proven ability to originate lending opportunities and deliver exceptional customer service in a dynamic environment.

Highest-signal resume keywords
SME LendingCommercial MortgagesCredit Risk ManagementCustomer Relationship ManagementFinancial Analysis

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Credit SkillsFinancial Account AnalysisCredit Application WritingLending Proposal StructuringBusiness Development
Soft Skills
Interpersonal SkillsCommunication SkillsOrganizational SkillsSelf-Starter AttitudeCustomer Service Excellence
Industry Keywords
SME BankingCredit PolicyPortfolio ManagementReferral RelationshipsMarket Analysis

About the role

Key responsibilities & impact
  • Relationship-manage a centralised portfolio of local SMEs
  • Provide secured SME lending, including commercial mortgages and asset finance, alongside current accounts and savings
  • Engage proactively with clients to identify opportunities supporting their plans and ambitions
  • Monitor credit risk, identify early warning signs and fulfil additional credit requests
  • Originate SME lending opportunities from initial enquiry through completion
  • Write credit papers in line with Allica’s credit policy and appetite
  • Deliver the portfolio business plan and manage objectives and personal development plans
  • Scan horizon risks, interpret local markets and deliver action plans
  • Structure new lending proposals and write credit applications with customers, colleagues and advisors
  • Provide excellent service to SME customers, prospects and advisors
  • Build deep, multi-layered customer relationships
  • Collaborate with all areas of Allica to provide a seamless, professional service

Requirements

What you’ll need
  • Deep passion for serving SMEs
  • Self-starter, organised and committed to succeeding in a flexible environment
  • Track record of building high-value, trust-based and long-lasting referral relationships
  • Ability to develop new business through referral relationships
  • Good credit skills, including analysing and reviewing financial accounts and associated information
  • Strong understanding of SME banking, including a strong background in commercial mortgages
  • History of exemplary customer service and maximising value with prospects and customers
  • Excellent interpersonal and communication skills
  • Evidence of strong career progression and/or outperformance
  • Ability to work expertly with customers, colleagues and advisors to structure new lending proposals and write credit applications
  • Proven track record of excellent customer service, generating new income opportunities and effectively managing credit risk
  • Must reside in the UK
  • Must already reside in the UK in most cases for sponsorship purposes

Benefits

Comp & perks
  • Full onboarding support and continued development opportunities
  • Options for flexible working
  • Regular social activities
  • Pension contributions
  • Discretionary bonus scheme
  • Private health cover
  • Life assurance
  • Family friendly policies including enhanced Maternity & Paternity leave
  • Flexible and hybrid working