Cashflow Finance Associate

About Allica Bank

Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.

Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.

Department Description

Allica Cashflow Finance delivers lending to meet the funding needs of growing established, profitable businesses who do not have tangible collateral available to offer in support.

Our growing team of specialists share a common focus on structuring funding solutions for those clients and delivering an exceptional relationship experience.

During the origination process, we gain a deep understanding of each business. This informs both facility structuring and risk management as well as providing the foundation of our ongoing relationship.

Role Description

The Cashflow Finance RM Associate will be responsible for supporting and assisting the Relationship Management team with the onboarding and administration of new and existing clients.

In addition to the service and relationship aspects, the role will also assist with maintaining up to date internal reporting and general day to day activities on the portfolio required to run the client’s facilities effectively

Principal Accountabilities

• Support Relationship Managers in their regular client activities and with preparation of client monthly information.

• Deputise for the Relationship Manager when required, ensuring seamless client support and service continuity.

• The role may also involve independently managing and developing a designated portfolio of lower-risk, lower-value client relationships, acting as a trusted point of contact and maintaining strong customer outcomes.

• Engagement with other relevant functional areas of the bank, particularly Business Development and Transaction Management teams to ensure effective collaboration, seamless onboarding and awareness of changes in policies/processes.

• Contribute to the production of monthly portfolio reporting.

• Working closely and collaboratively with all areas of Allica to ensure a seamless and professional service is always provided, and to provide ongoing direction as to where Allica’s product and software development should focus to provide greatest benefit to customers and efficiency over time.

• Complying with all mandatory policies and develop and adhere to operational procedures to maintain a strong internal control environment.

Personal Attributes & Experience

• An ambitious and naturally proactive individual, eager to contribute to the success of a small, developing team. Customer focus, attention to detail, and strong initiative will be key personal attributes.

• Able to interpret detailed financial information including balance sheet and cash forecasting, assess funding requirements and model the impact of sensitivities to such forecasts.

• You will have excellent interpersonal and communication skills with the ability to build and maintain strong working relationships.

• Desire to help the bank and its customers achieve their goals and ambitions.

• Experience of working competently with Microsoft Excel, PowerPoint and Word.

• Experience of working with different business functions to specific deadlines, with strong organisational skills.

• Previous experience of cashflow finance transactions

• Driven by a desire to grow professionally and build experience.

• Knowledge of finance and/or experience engaging with SME clients or stakeholders.

Working at Allica Bank

At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.

Our employees are at the heart of everything we do, so our benefits are designed with you in mind:

• 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

Don’t tick every box?

Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!

Flexible working

We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.

Diversity

We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.

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