Relationship Manager (SME Banking) at Allica Bank

About Allica Bank

Allica is the UK’s fastest-growing financial technology (Fintech) firm, dedicated to serving established SMEs—a sector representing over a third of the UK economy—often neglected by traditional banks and modern fintech providers.

Our mission is to reimagine Relationship Banking for these businesses through exceptional people, products, and digital tools.

Department Description

Our Relationship Manager team, established in 2022, is growing rapidly alongside the bank. Every customer opening an account receives a dedicated Relationship Manager to provide outstanding service and build deep trust.

Relationship Managers support customers by offering tailored Allica Bank products, including Business Current Accounts, Savings Accounts, Commercial Loans, Asset Finance, and Working Capital Facilities. New business acquisition is a core responsibility, with portfolios designed to allow growth.

Managers will cultivate trusted networks with accountants, solicitors, and business organizations (excluding commercial finance brokers) to become valued partners in business finance.

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.

• Deliver local business plans, actively manage objectives, and pursue personal development.

• Represent Allica professionally in local areas, ensuring excellent service for SME customers, prospects, and advisors.

• Collaborate closely with all Allica departments to maintain seamless, professional service.

• Uphold Allica’s values and comply with all mandatory policies and operational procedures.

Personal Attributes & Experience

• 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 and commercial lending experience required.

• Demonstrated history of exemplary customer 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 structure new lending proposals and write credit applications in collaboration with customers, colleagues, and advisors.

• Proven track record in generating new income opportunities while effectively managing credit risk.

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

Working at Allica Bank

Allica Bank prioritizes employee success with tailored tools and a supportive environment. Benefits include:

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

Flexible working

Allica Bank is fully committed to flexible and hybrid working. Employees can request arrangements that best suit their needs.

Diversity

Allica Bank values diversity and inclusivity, fostering an environment where employees can bring their full selves to work.