Senior Director - Healthcare Portfolio Management

Company Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally.  We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities.  This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale.  We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Job Description

The Relationship Director – Healthcare will act as the senior point of contact for a portfolio of healthcare sector borrowers, many of which hold large, complex loan structures. The role holder is responsible for the full relationship lifecycle post-drawdown: monitoring borrower performance, identifying risk early, structuring further lending and covenant solutions, and ensuring an excellent customer experience across the loan book. The Relationship Director will also provide oversight and direction to Associate Relationship Directors and Analysts supporting the portfolio, ensuring the quality of financial analysis, MI, and reporting that underpins credit decisions.

Key Responsibilities

• Reporting and presenting to senior board members.
• Building and maintaining strong relationships with external stakeholders, including borrowers, PE sponsors, and professional advisers.
• Reviewing borrower performance, including conducting site visits, trend analysis, and comparison of actuals versus forecasts — identifying the causes of variances and their impact on liquidity and ongoing debt serviceability.
• Identifying additional funding opportunities with existing borrowers.
• Evaluating, managing, and processing requests for further lending, loan covenant waivers, loan variations, consents, and forbearance, in line with ThinCats policies.
• Overseeing the accurate review and input of financial information and covenant calculations, ensuring quality assurance checks are carried out on all data provided by borrowers.
• Preparing and reviewing reports and proposals for credit and legal teams relating to breaches, waivers, and consents.
• Maximising data input and effective use of nCino across the portfolio.
• Maintaining loan status data to demonstrate ongoing compliance of each borrower across the loan portfolio.
• Building strong internal relationships across Borrower Solutions, Business Development, Credit, and Legal teams to ensure early identification of portfolio risk and a seamless handover of relationships post-drawdown.
• Providing guidance and oversight to Associate Relationship Directors and Analysts, ensuring consistency and rigour in borrower monitoring, MI, and lending reports.
• Reviewing customer projections throughout the lifecycle of the loan and ensuring timely escalation of material issues.

Qualifications

Skills & Experience

• Accounting or banking qualification essential.
• Sound relevant experience gained in corporate banking, professional services, or a financial institution, in a senior relationship management role.
• Experience of working with borrowers in the Healthcare sector
• Proven experience working with borrowers backed by PE investment and managing large, complex loans.
• Strong understanding of leveraged finance deals, including enhanced risk profiles and the role of the PE investor.
• Strong understanding of financial statements (P&L, Balance Sheet, and Cash Flow) and loan and security documentation.
• Confident in interpreting loan documentation, covenant definitions and terminology, and calculating financial covenants.
• Experience and understanding of debt finance / asset finance and the wider financial services environment.
• Ability to undertake financial modelling and sensitivity analysis.
• Excellent analytical skills, with the ability to identify trends, variances, and emerging risk.
• Excellent written and verbal communication skills.
• Strong relationship-building skills, both internally and with external stakeholders.
• Well networked within the healthcare and wider lending market.
• Robust, organised, calm, logical, and confident under pressure.
• Ability to adapt to rapid change.
• Leadership skills beneficial, with the ability to guide and develop junior team members, though not compulsory

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done