Role Purpose:

This is an exciting opportunity to contribute to the growth in Charity Bank's lending book by cultivating relationships with target charities, social enterprises and referral sources, identifying and securing new lending opportunities and then converting these opportunities into high-quality, socially impactful loan assets. The Senior Lending Manager will work very closely with the Director of Lending to optimise business development efforts in the North of England and Scotland and maximise new lending productivity by undertaking the development of referrals and opportunities generated either by themselves or by other Banking Team members into loan applications (‘deal writing’), thereby contributing to aggregate team lending targets. The Senior Lending Manager will also develop and implement new sub-sector business development strategies and generally raise the profile of Charity Bank’s role and mission. 

Key priorities include: 

• Identify and secure new lending opportunities in Charity Bank’s target markets and within the bank’s risk appetite and criteria. 
• Research and develop sub-sector business development strategies and provide expertise to the Banking team and Exco. 
• Undertake thorough credit due diligence and analysis, prepare credit applications and oversee loan transactions through legal documentation and completion. 
• Meet annual individual business development targets and contribute to team targets as agreed with the Director of Lending and/or other relevant Senior Managers. 
• In collaboration with colleagues, constantly striving for improvement in internal process and the customer’s experience. 
• Actively manage existing relationships with borrowers, sector bodies and other referral sources. 
• Be a champion for actual and potential customers in the social sector, identifying barriers to access to finance and proposing, piloting and supporting innovative solutions. 
• Develop and maintain relationships with third parties who may be a source of business for Charity Bank, including umbrella and representative organisations, trusts and foundations, and professional firms or service providers, active or potentially active in the region. 
• Undertake activities, including speaking at appropriate conferences, to raise awareness of Charity Bank’s profile and presence across the region and to promote Charity Bank’s role and mission. 
• Manage relationships with other lenders, both social and mainstream, with a view to cross-referring (where outside our risk appetite) and/or sharing loan deals (where beyond our lending capacity) and vice versa. 
• Liaise with various public sector bodies, including Government and local authorities, with a view to developing our lending activities in the region. 
• Market Charity Bank’s savings products. 
• Support the marketing and PR activity of the Communications and Marketing Team. 
• Other tasks as may be directed by the Director of Lending or other relevant Senior Managers. 

Key Responsibilities:

Business Development, Credit Assessment and Transaction Management 

• Meet annual individual business development targets and contribute to Team targets as agreed with the Director of Lending and/or other relevant Senior Managers, with appropriate training and support. 
• Manage and develop both existing and new introducers of business to Charity Bank. 
• Develop relationships with ethical and high street lenders to the social sector, social finance intermediaries and other organisations that have complementary business objectives to Charity Bank. 
• Develop and enhance the profile of Charity Bank to potential borrowers and depositors throughout the region by direct and indirect marketing, seeking business opportunities through speaking at and attending conferences and external events and by pursuing networking opportunities. Create and maintain contact with the regional press and media under guidelines set by the Marketing Department. 
• Completion of loan applications from introduction to credit committee presentation, ensuring that Charity Bank’s standards are met and consistently applied. Undertake thorough credit due diligence and analysis, manage “Deal Teams” in preparing credit applications and overseeing loan transactions through legal documentation and completion. 
• Manage a portfolio of borrowers including regular monitoring visits. 
• Preparation of annual reviews until such time as accounts are transferred to the Portfolio Management Unit. 
• Responsible for the full and accurate utilisation of the bank’s CRM system. 

Deal Writer 

• Whilst developing their own business development contacts and opportunities and growing a portfolio of new loans, it is expected that the Senior Lending Manager will contribute significantly to aggregate Team targets, principally as a Deal Writer for the Team. 
• Assess the risks associated with a loan application, including site visits for fact-finding, review the business plans / financial information relating to a potential borrower and liaise with their trustees /managers / directors. 
• Make loan recommendations with appropriate risk analysis of good quality to the Credit Team. 
• Work with Charity Bank staff, appointed professional firms and with borrowers to ensure that approved loans are processed quickly and efficiently through to final drawdown. 
• Support the Portfolio Management Unit in the production of annual reviews by seeking answers to questions where appropriate. At all times maintain the relationship with the borrower. Identify borrowers who are or may be suffering credit stress and who represent an actual or potentially impaired exposure for Charity Bank and support the Credit Team in any work-out action that may be required. 

Skills and Experience:

Essential experience:

• Over 5 years’ relevant experience with a strong background in banking or similar organisation
• Proven business development skills and track record
• Proven experience of negotiating and influencing at a senior level
• Proven experience of lending, credit analysis, including unsecured lending in a commercial environment 

Attainments:

• Banking qualification (or qualified by experience)
• Analytical skills including review of annual reports and accounts 
• Knowledge of company law and accounting policies and standards 
• Knowledge of government and local authority funding
• Knowledge of the social and charity sector 

Special Aptitudes:

• Excellent communicator – both orally and written
• Strong organisational skills, excellent at prioritising and managing own time 
• Highly numerate and computer literate, comfortable using computer applications
• Proven skills and experience in banking, lending and business development 
• A team player with well-developed interpersonal skills, able to communicate and work effectively with both senior managers and directors as well as support staff 
• A self-starter
• Ability to establish credibility and respect quickly
• Adept at knowing when to involve or seek guidance from their manager 

Disposition:

• Empathetic; remains calm in the face of other people’s emotions 
• Excellent Interpersonal skills and emotional intelligence 
• Influencing skills – good at getting a message across
• Self-reliant and able to work on own initiative 
• Discreet and tactful
• Quick to understand and cautious in expressing judgement
• Finds practical solutions
• Integrity
• Willingness to travel, sometimes at short notice when circumstances require. 

Motivation:

• Driven by a desire to use their skills to contribute to positive social change 
• Motivated to over-achieve personal targets to support the overall success of Charity Bank – results oriented 
• Committed to own continuing personal development
• A champion of good practice and people development 
• Leads by example and sets own personal high standards. 
• Intellectual and self-motivated 

Thinking style:

• Able to analyse a problem and present options to resolve it 
• Creative, innovative and change-orientated 
• Pragmatic approach to problem-solving
• Well-organised and systematic in approach. Detail conscious
• Does not waiver in pursuit of good outcomes in the best interest of the Bank 

Job title: Senior Lending Manager - North

Location: North of England, Home based 

Reporting To: Director of Lending (or other Senior Manager)

Contract: Permanent, full-time (part time considered)

Salary: c.£60K

Date Closes: 27th May 2022 at 10am

Programme Manager, Happier Lives

(Wales)

 £32,475 per annum (pro rata for part time hours)

 (Ref: SUS3642)

Up to 37.5 hours per week – working hours can be discussed to suit individual circumstances

Base: hybrid with reasonable travelling to Cardiff

About the role

We have an exciting opportunity for someone within our Happier Lives team to lead and develop activities including our volunteer programme, healthy workplaces programme and E-Move programme with an annual turnover of just over £300,000.

You will provide leadership and support to the Head of Happier Lives whilst managing a small team, associated budgets and the strategic development our behaviour change projects in Wales.

You will develop our behaviour change activities to ensure equality, diversity and inclusion priorities are central to our programmes.

You will work in partnership with local authorities, community organisations, health boards and Not-for-Profit organisations to boost the reach of our programmes, benefitting people in communities across Wales.

You will work closely with Sustrans’ Research and Monitoring Unit to ensure the impact of our work can be robustly evidenced & celebrated.

About you

You will have programme development and management experience, working on multiple projects, ensuring delivery to time and budget.

You will have experience of managing, motivating and developing dispersed delivery teams.

You will have demonstrable ability to build successful relationships with people from different backgrounds, with experience of delivering inclusion within community development or behaviour change activities.

So, if you are also a confident advocate for the benefits of walking & cycling and understand the role both have to play in making better places to live & work, this could be the job for you - apply today!

What we offer

In return we can offer ongoing working from home and a truly flexible, supportive, and rewarding working environment.

Wellbeing

• 26 days’ leave per annum plus bank holidays for full-time working
• Ability to buy an extra week of annual leave (pro-rata for part-time staff)
• Staff volunteer days
• 24/7 free, impartial, and confidential support service
• We are members of the Green Commute Initiative and Cycle Scheme who both offer cycle to work schemes

Financial

• Group Personal Pension scheme with a 4% or 5% of basic salary contribution being matched by Sustrans
• Bike, computer, and season ticket loans
• Discount benefits

Family Friendly

• Enhanced maternity and paternity pay
• Flexible Working practices (full time hours are 37.5 per week, Monday - Friday)

Additional information

• Closing date for the receipt of completed applications is 23:59 22 May 2022.
• Interviews will take place via MS Teams during the week commencing 30 May 2022.

To apply, please complete our online application form. 

About Sustrans

Sustrans is the charity making it easier for people to walk and cycle. We connect people and places, create liveable neighbourhoods, transform the school run and deliver a happier, healthier commute.

Our vision and mission have never been more relevant. Across the UK, governments are pledging investment and action on walking and cycling.

We are working together to make a real difference - creating places where everyone can live and travel happily and healthily, and where nobody is excluded.

Our work wouldn’t be possible without the commitment and dedication of our colleagues.

We are proud of our employee net promoter score, being in the top 20% of all employers across all sectors in the UK, due to our energised, friendly and motivated workforce.

Join Sustrans today and help us get things done, together!

Rheolwr Rhaglen, Bywydau Hapusach

 (Cymru)

 £32,475 y flwyddyn (pro rata ar gyfer oriau rhan amser)

 (Cyf: SUS3642)

Hyd at 37.5 awr yr wythnos – gellir trafod oriau gweithio i weddu amgylchiadau'r unigolyn

Lleoliad: hybrid, o fewn pellter teithio rhesymol o Gaerdydd

Ynglŷn â’r swydd

Mae gennym gyfle cyffrous i rywun yn ein tîm Bywydau Hapusach arwain ar a datblygu gweithgareddau yn cynnwys ein rhaglen gwirfoddoli, ein rhaglen gweithleoedd iach, a’n rhaglen E-Symud sydd â throsiant blynyddol o ychydig mwy na £300,000.

Byddwch yn cynnig arweinyddiaeth a chefnogaeth i Bennaeth Bywydau Hapusach, gan reoli tîm bychan, cyllidebau cysylltiedig a datblygiad strategol ein prosiectau newid ymddygiad yng Nghymru.

Byddwch yn datblygu ein gweithgareddau newid ymddygiad i sicrhau bod blaenoriaethau cydraddoldeb, amrywiaeth a chynhwysiant yn rhan greiddiol o’n rhaglenni.

Byddwch yn gweithio mewn partneriaeth ag awdurdodau lleol, mudiadau cymunedol, byrddau iechyd a sefydliadau dielw i hybu cyrhaeddiad ein rhaglenni, er budd pobl mewn cymunedau ledled Cymru.

Byddwch yn gweithio’n agos gydag Uned Ymchwil a Monitro Sustrans i sicrhau bod effaith ein gwaith yn gallu cael ei ddathlu a’i dystiolaethu’n gadarn.

Amdanoch chi

Bydd gennych brofiad o ddatblygu a rheoli rhaglenni, gweithio ar nifer o brosiectau, gan sicrhau eu cyflawni ar amser ac o fewn cyllideb.

Bydd gennych brofiad o reoli, ysgogi a datblygu timau darparu ar wasgar.

Bydd gennych brofiad dangosadwy o feithrin perthynas lwyddiannus gyda phobl o wahanol gefndiroedd, a phrofiad o gynnal gwaith cynhwysiant o fewn gweithgareddau datblygu cymunedol neu newid ymddygiad.

Felly, os ydych chi hefyd yn eiriolwr hyderus dros fuddion cerdded a beicio a’ch bod yn deall y rhan y mae’r ffyrdd hyn o deithio yn ei chwarae mewn creu lleoedd gwell i fyw a gweithio ynddynt, efallai mai hon yw’r swydd i chi – ymgeisiwch heddiw!

Yr hyn rydym yn ei gynnig

Yn gyfnewid, gallwn gynnig gweithio o gartref yn barhaus ac amgylchedd gwaith gwirioneddol hyblyg, cefnogol a gwobrwyol.

Llesiant

• 26 diwrnod o wyliau blynyddol a gwyliau banc ar gyfer gweithwyr llawn-amser
• Gallu prynu wythnos ychwanegol o wyliau blynyddol (pro-rata i staff rhan-amser)
• Diwrnodau gwirfoddoli staff
• Gwasanaeth cefnogaeth ddiduedd a chyfrinachol am ddim 24/7
• Rydym yn aelodau o’r fenter Cymudo Gwyrdd a'r Cynllun Beicio, sydd ill dau yn cynnig cynlluniau beicio i’r gwaith

Ariannol

• Cynllun Pensiwn Personol Grŵp gyda chyfraniad cyfatebol o 4% neu 5% o’r gyflog sylfaenol yn cael ei wneud gan Sustrans
• Benthyciadau beic, cyfrifiadur a thocynnau tymor
• Buddion ar ffurf disgowntiau

Cyfeillgar i deuluoedd

• Tâl mamolaeth a thadolaeth uwch na’r isafswm
• Arferion gweithio hyblyg (oriau llawn-amser yw 37.5 yr wythnos, Llun i Gwener)

Gwybodaeth ychwanegol

• Y dyddiad cau ar gyfer derbyn ceisiadau wedi eu cwblhau yw 23:59, 22ain Mai 2022.
• Cynhelir cyfweliadau drwy MS Teams yn ystod wythnos y 30ain o Fai 2022.

Er mwyn ymgeisio, cwblhewch ein ffurflen gais ar-lein. 

Ynglŷn â Sustrans

Sustrans yw'r elusen sy'n ein gwneud hi'n haws i bobl gerdded a beicio. Rydym yn cysylltu pobl a lleoedd, yn creu cymunedau byw, yn trawsnewid y daith i’r ysgol ac yn cyflawni taith hapusach, iachach i’r gwaith.

Ni fu ein gweledigaeth a’n cenhadaeth erioed mor berthnasol. Ledled y DU, mae llywodraethau yn addunedu buddsoddi a gweithredu ar gerdded a beicio.

Rydym yn gweithio gyda’n gilydd i sicrhau gwir wahaniaeth – yn creu lleoedd lle gall pawb fyw a theithio yn hapus ac iachus, lle cynhwysir pawb.

Ni fyddai ein gwaith yn bosibl heb ymrwymiad ac ymroddiad ein cydweithwyr.

Rydym yn falch o’n sgôr hyrwyddwr net cyflogwr a ninnau ymhlith 20% o’r holl gyflogwyr ledled pob sector yn y DU, yn sgil ein gweithlu llawn egni, cyfeillgar a llawn cymhelliant.

Ymunwch a Sustrans heddiw a’n helpu i gyflawni pethau gyda’n gilydd!

Associate Director, Practice, Safeguarding & Learning

Contract Type: Permanent
Location: Home Worker (England, Wales and NI)
Salary: £82,000 plus London allowance of £3,600 (if applicable) and London Link allowance of £1,440 (if applicable)
Working Hours: 35 per week

Closing Date: 18 May 2022
Interview Date: TBC (via Zoom or Teams)

Reference Number: VAC3145

Please note, the deadline for submitting applications for this vacancy is 23:59pm on the closing date.

We reserve the right to close this vacancy early if we receive sufficient applications for the role. Therefore, if you are interested, please submit your application as early as possible.

About Alzheimer's Society

Dementia has devastated lives but dementia won't win. Until the day we find a cure, Alzheimer's Society will be here for anyone affected by dementia - wherever they are, whatever they're going through. Everything we do is informed and inspired by them.

We are the UK's leading dementia charity. Every day, we work tirelessly to find new treatments and, ultimately, a cure for dementia. We provide expert information, training, and support services to all those who need our help. And we are creating a more dementia-friendly society so people with the condition can live without fear and prejudice.

About the role

We have a fantastic new opportunity for an Associate Director of Practice, Safeguarding & Learning to join our Operations directorate.

As the Associate Director of Practice, Safeguarding & Learning, you will lead safeguarding and quality practice across Operations, ensuring that it is evidence-based, informed by people affected by dementia, fostering a culture of continuous improvement and learning and enabling the delivery of cutting edge of dementia support.

You will lead teams to deliver outstanding results, working effectively, collaboratively and at pace.

As a senior leader you have corporate accountability for the operational, day-to-day success of the organisation and its continued growth and development through innovation and collaboration at every level.

About you

- Have experience in driving forward an inclusive and high-performing culture
- Making sure that our values and expected standards of behaviour are embedded across the entire organisation,
- You will have a relevant professional qualification or significant (minimum of 5 years) relevant expertise and experience in leadership within social care or health.
- Be able to develop and communicate a compelling vision for the future of our services that drives best practice
- Ensures the Alzheimer's Society delivers first class, high quality services that are evidence based and able to respond to emerging research findings and government policy
- Ability to manage senior roles and performance is essential.
- You will demonstrate sound decision-making taking personal accountability for risks and decisions which carry organisation-wide impact.

Our employees work hard every day to make a true difference in people's lives. We are proud to support them with a range of benefits, recognition and many options for working agilely, all contributing to a strong work life balance. We also have various learning programmes to support you in your development and help you grow to realise your potential and shape a career with Alzheimer's Society.

You can also visit our Working for Us pages, which give you more information about what it’s like to be an employee at the Society.

You may have experience of the following: Operations Director, Business Manager, Department Manager, Operations Manager, Regional Director, Sales Director, Static Manager, Unit Manager, Director of Operations, Ops Manager etc.

Ref: 132 516

Passionate about youth empowerment? Want to use your communications and activism experience to help young people advocate on behalf of others? then you might just be the person we're looking for.

To raise our impact we need a new Head of Advocacy and Communications who can help us extend our reach and influence. You will be an impressive communicator with experience of working with to influence policy change. In this role you will be working with a small yet mighty team to centre young people in the narrative about their lives, turning up the volume on everything we do, and making sure that our advocacy work is reaching the right decision makers.

This post can be based remotely or within our London HQ and is for 28 hours per week (0.8FTE)