Commercial Director

Overview

In this Director role, you will manage and grow a Corporate banking portfolio within risk appetite, driving relationship-based deal origination and execution. You’ll work with Directors and Senior Directors to deliver compelling funding solutions and a standout customer experience, contributing to the Strategic Finance Team’s market presence in North & East Scotland. You will assess risk, shape lending proposals, and ensure compliant loan documentation while collaborating across offices. This is a role with impact on sustainable returns and a strong, customer-centric culture.

Pay / Benefits

• 25 days holiday, pro rata
• Private medical insurance
• A highly competitive pension
• Annual performance-related bonus
• Training and development
• Life assurance

Responsibilities

• Manage and grow a corporate relationship portfolio within risk appetite
• Originate and execute deals in collaboration with Directors and Senior Directors
• Deliver an outstanding customer experience to differentiate from competitors
• Assess risk and compliance to minimise bad and doubtful debts
• Prepare and validate loan and security documentation and support onboarding
• Collaborate with cross-functional colleagues to deliver key transactions and develop your own skills
• Network with external peers to enhance Virgin Money’s reputation as a leading funding solutions provider
• Maintain awareness of the regional market and leverage local professional networks

Key requirements

• Track record of excellence in customer service
• Strong technical, credit and deal management skills with a proven history of delivering secured and unsecured lending solutions
• Experience interpreting financial statements, forecasts and cash flows; ability to calculate key ratios and perform credit modelling
• Excellent communication and influencing skills; ability to present and deliver messages credibly
• Aptitude to quickly synthesize information, identify issues and implement solutions
• Ability to meet deadlines and work autonomously
• Understanding of FCA banking regulations and adherence to policies
• Knowledge of the North & East Scotland regional market and local professional network
• Strong team player with collaborative mindset

• customer-focused
• influencing and communication
• problem solving
• financial statement analysis
• cash flow analysis
• credit modelling techniques

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