Relationship Manager at Allica Bank

About Allica Bank: Allica is the UK’s fastest-growing financial technology (Fintech) firm, dedicated to serving established SMEs—an underserved opportunity in the industry. These SMEs form over a third of the UK economy but have been neglected by traditional banks and modern fintech providers.

Department Description:

Allica’s vision is to reimagine Relationship Banking for established SMEs through exceptional people, products, and digital tools. The bank actively seeks to shape its offerings, and this role will contribute to that evolution.

The Relationship Manager team, established in 2022, continues to grow alongside the bank. Each customer opening an account receives a dedicated Relationship Manager to provide outstanding service, aligning with Allica’s core strategy.

Beyond service, Relationship Managers build deep trust and understanding with clients, aligning their ambitions with Allica’s products, including Business Current Accounts, Savings Accounts, Commercial Loans, Asset Finance, and Working Capital Facilities.

Role Description:

All Relationship Manager roles at Allica Bank include new business acquisition as the bank expands. Portfolios are designed to allow capacity for this growth.

Relationship Managers will cultivate a network of trusted SME advisors, such as accountants, solicitors, and business organizations (excluding commercial finance brokers, handled by Allica’s dedicated broker team). The goal is to be recognized as valued partners and experts in business finance by clients and communities.

Principal Accountabilities:

• Manage a portfolio of SME customers, understanding their needs and business aspirations, and identifying opportunities to support them through Allica Bank services and external networks.

• Originate SME lending opportunities for both existing and new customers, from initial enquiry to completion, including writing credit papers in line with Allica’s credit policy and appetite.

• Deliver the business plan for your local area, actively managing objectives and personal development plans.

• Ensure excellent service for local SME customers, prospects, and advisors, representing Allica professionally in your local area.

• Collaborate closely with all areas of Allica to ensure seamless and professional service delivery.

• Contribute positively to Allica’s culture and demonstrate the bank’s values.

• Comply with all mandatory policies and operational procedures to maintain internal controls.

Personal Attributes & Experience:

• A highly capable Relationship Manager and Business Developer with a long-term track record of building high-value, trust-based, and long-lasting referral relationships.

• Strong understanding of SME banking, including a background in commercial lending.

• History of exemplary service and maximizing value with prospects and customers.

• Passion for SMEs, self-starter mindset, and entrepreneurial approach.

• Excellent interpersonal and communication skills, with evidence of strong career progression or outperformance.

• Ability to work expertly with customers, colleagues, and advisors to structure new lending proposals and write credit applications.

• Proven track record in providing excellent customer service and generating new income opportunities while managing credit risk.

• Ability to analyze and review financial accounts and associated information.