Job Description – BUSINESS DEVELOPMENT MANAGER
Job Title: Business Development Manager
Hours: 37 hours per week. Flexible start time of 8am to 10am and flexible finish time of 4pm to 6pm. Additional flexible options may be available at the line managers discretion and in line with the organisation’s needs. Some occasional work in the evenings and early mornings may be required.
Holidays: 28 days per annum plus statutory Bank Holidays and Birthday
Salary: Up to £40,000 per annum
Pension: Up to 10% matching contribution to group personal pension scheme. Plus 4 x basic salary cover for death in service (after qualifying period)
Other Benefits: Annual £250 Personal Development Allowance, Health Cash Plan and Hospital Treatment Insurance. Discretionary Annual Bonus. Continuing professional development (after qualifying period)
Car Allowance: £400 per month plus .25p mileage allowance
Responsible to: Head of Business Development
Other Key Relationships: Chief Executive, Finance Director, Head of Credit, Portfolio & Compliance Manager, Marketing and Impact Manager, other Business Development Managers, Office, Marketing and Financial Administrators
Job Purpose: To generate enquiries for viable loan applications, prepare loan assessments for sanctioning and develop the market for loans to small businesses
Main duties:
Grow, develop and maintain the referral network amongst bank officials, brokers, accountants, business advisers and other intermediaries. Proactively engage with potential referrers to generate enquiries for loans
Participate in sales activity to identify potential clients and develop lending propositions. Grow dealflow and achieve targets for new loans.
Respond to and qualify initial loan enquiries
Follow up with loan applicants and visit potential new borrowers to assess requirements. Secure other data necessary to perform sound appraisals and reviews and ensure information is recorded in customer files
Provide guidance to potential borrowers, with business advisors where appropriate, to develop new loan applications
Prepare loan applications for presentation to the credit sanctioning processing team
Interpret key measures for clients enabling accurate initial and ongoing statistical reporting. Record information in customer files
Maintain ongoing client relationships including monitoring, defaults and chasing bad debts
Assist as required in the maintenance of regular payments from the current portfolio, working with the recoveries team in providing a local presence and intelligence as required.
Develop and maintain positive working relationships with loan applicants, borrowers and advisors
Promote the services of BCRS Business Loans through attendance at networking meetings, conferences, trade fairs and other events
Attend regular work planning reviews and contribute to the strategic direction of BCRS Business Loans
Demonstrate commitment to continuous improvement and development of all systems and processes. Participate in personal and professional development activities
Participation and contribution to strategic working groups to identify areas of continuous improvement for BCRS
Adhere to company policies and procedures including BCRS Performance Management Framework and Equal Opportunities Policy
Any other duties required by the Head of Business Development or Chief Executive
Disgrifiad Swydd – RHEOLWR DATBLYGU BUSNES
Teitl Swydd: Rheolwr Datblygu Busnes
Oriau: 37 awr yr wythnos. Amser cychwyn hyblyg o 8yb hyd 10yb ac amser gorffen hyblyg o 4yp hyd 6yp. Gall opsiynau hyblyg ychwanegol fod ar gael yn ôl disgresiwn y rheolwr llinell ac yn unol ag anghenion y sefydliad. Efallai y bydd angen rhywfaint o waith achlysurol gyda'r nos ac yn gynnar yn y bore.
Gwyliau: 28 diwrnod y flwyddyn ynghyd â Gwyliau Banc statudol a phenblwydd
Cyflog: Hyd at £40,000 y flwyddyn
Pensiwn: Hyd at 10% o gyfraniad cyfatebol i gynllun pensiwn personol grŵp. Ynghyd â 4 x yswiriant cyflog sylfaenol ar gyfer marwolaeth mewn gwasanaeth (ar ôl cyfnod cymhwyso)
Buddiannau Eraill: Lwfans Datblygiad Personol Blynyddol o £250, Cynllun Arian Parod Iechyd ac Yswiriant Triniaeth Ysbyty. Bonws Blynyddol Dewisol. Datblygiad proffesiynol parhaus (ar ôl cyfnod cymhwyso)
Lwfans Car: £400 y mis ynghyd â lwfans milltiredd o 25c
Yn atebol i: Pennaeth Datblygu Busnes
Perthnasoedd Allweddol Eraill: Prif Weithredwr, Cyfarwyddwr Cyllid, Pennaeth Credyd, Rheolwr Portffolio a Chydymffurfiaeth, Rheolwr Marchnata ac Effaith, Rheolwyr Datblygu Busnes eraill, Gweinyddwyr Swyddfa, Marchnata ac Ariannol
Diben y Swydd: Cynhyrchu ymholiadau am geisiadau benthyciad hyfyw, paratoi asesiadau benthyciad ar gyfer sancsiynau a datblygu’r farchnad ar gyfer benthyciadau i fusnesau bach
Prif ddyletswyddau:
Tyfu, datblygu a chynnal y rhwydwaith atgyfeirio ymhlith swyddogion banc, broceriaid, cyfrifwyr, cynghorwyr busnes a chyfryngwyr eraill. Ymgysylltu'n rhagweithiol â darpar atgyfeirwyr i gynhyrchu ymholiadau am fenthyciadau
Cymeryd rhan mewn gweithgaredd gwerthu i nodi darpar gleientiaid a datblygu cynigion benthyca. Tyfu llif bargeinion a chyflawni targedau ar gyfer benthyciadau newydd.
Ymateb i a chymhwyso ymholiadau benthyciad cychwynnol
Dilyn i fyny gydag ymgeiswyr benthyciad ac ymweld â benthycwyr newydd lle mae’n bosibl i asesu gofynion. Sicrhau data arall sydd ei angen i gynnal gwerthusiadau ac adolygiadau cadarn a sicrhau bod gwybodaeth yn cael ei chofnodi yn ffeiliau cwsmeriaid
Rhoi arweiniad i ddarpar fenthycwyr, gyda chynghorwyr busnes lle bo'n briodol, i ddatblygu ceisiadau am fenthyciadau newydd
Paratoi ceisiadau am fenthyciad i'w cyflwyno i'r tîm prosesu sancsiynau credyd
Dehongli mesurau allweddol ar gyfer cleientiaid gan alluogi adroddiadau ystadegol cychwynnol a pharhaus cywir. Cofnodi gwybodaeth mewn ffeiliau cwsmeriaid
Cynnal perthnasoedd parhaus â chleientiaid gan gynnwys monitro, diffygdalu a mynd ar drywydd dyledion drwg
Cynorthwyo yn ôl yr angen i gynnal taliadau rheolaidd o'r portffolio presennol, gan weithio gyda'r tîm adennill i ddarparu presenoldeb a gwybodaeth leol yn ôl yr angen.
Datblygu a chynnal perthnasoedd gwaith cadarnhaol gydag ymgeiswyr am fenthyciadau, benthycwyr a chynghorwyr
Hyrwyddo gwasanaethau Benthyciadau Busnes BCRS trwy fynychu cyfarfodydd rhwydweithio, cynadleddau, ffeiriau masnach a digwyddiadau eraill
Mynychu adolygiadau cynllunio gwaith rheolaidd a chyfrannu at gyfeiriad strategol Benthyciadau Busnes BCRS
Dangos ymrwymiad i welliant a datblygiad parhaus yr holl systemau a phrosesau. Cymeryd rhan mewn gweithgareddau datblygiad personol a phroffesiynol
Cyfranogiad a chyfraniad at weithgorau strategol i nodi meysydd gwelliant parhaus ar gyfer BCRS
Cadw at bolisïau a gweithdrefnau'r cwmni gan gynnwys Fframwaith Rheoli Perfformiad BCRS a Pholisi Cyfle Cyfartal
Unrhyw ddyletswyddau eraill sy'n ofynnol gan y Pennaeth Datblygu Busnes neu'r Prif Weithredwr
Mawrth 2023
Person Specification: Business Development Manager
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Quality
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Essential
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Desirable
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Qualifications
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- 6 GCSE’s or equivalent including Maths and English
- 2 ‘A’ levels or equivalent
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- Institute of Bankers or Financial Services qualification/ Business or sales qualification.
- Degree level qualification.
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Knowledge
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- Business to Business sales.
- A strong understanding of SME’s and small business finance.
- Business Planning and the different stages of business growth.
- Knowledge of the areas and communities they will operate within and the sectorial construct of businesses operating within these areas.
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Experience
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- Minimum 5 year’s loan officer recent experience gained at a Bank, Asset Finance Company, Invoice Discounter, other Business Lender or a combination of these.
- Existing referral network with good networking skills to develop this further.
- Experience of working with intermediaries along with other business advisors and agencies.
- Ability to appraise and analyse a business in order to write a credit report.
- Ability to manage and hold customer meetings, and to handle customer ‘In-Life’ queries including customer’s experiencing financial difficulty.
- Ability to work remotely and effectively under own initiative out in the field
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Skills/abilities
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- Sales and negotiation skills
- Financial analysis
- Presentation Skills
- Client centred customer service and focus
- Handling customers in financial difficulty
- Strong IT skills
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Personal Qualities
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- Ability to prioritise activities and work to targets and deadlines
- Effective verbal reasoning
- Assertive, enthusiastic sales person with a social conscience.
- Ability to be self-motivated and work alone whilst also contributing to the wider BCRS team.
- Flexible yet resilient
- Positive attitude
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- A good understanding of the Welsh language orally and in writing
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Manyleb Person: Rheolwr Datblygu Busnes
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Ansawdd
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Hanfodol
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Dymunol
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Cymwysterau
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- 6 TGAU neu gyfwerth gan gynnwys Mathemateg a Saesneg
- 2 lefel ‘A’ neu gyfwerth
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- Cymhwyster Sefydliad y Bancwyr neu Wasanaethau Ariannol/ Cymhwyster Busnes neu werthu.
- Cymhwyster lefel gradd.
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Gwybodaeth
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- Gwerthiannau Busnes i Fusnes.
- Dealltwriaeth gryf o fusnesau bach a chanolig a chyllid busnesau bach.
- Cynllunio Busnes ynghyd a'r gwahanol gamau o dwf busnes.
- Gwybodaeth am yr ardaloedd a'r cymunedau y byddant yn gweithredu ynddynt a lluniad sectoraidd y busnesau sy'n gweithredu o fewn yr ardaloedd hyn.
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Profiad
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- O leiaf 5 mlynedd o brofiad diweddar fel swyddog benthyciadau mewn Banc, Cwmni Cyllid Asedau, Disgownter Anfoneb, Benthyciwr Busnes arall neu gyfuniad o'r rhain.
- Rhwydwaith atgyfeirio presennol ynghyd a sgiliau rhwydweithio da i ddatblygu hyn ymhellach.
- Profiad o weithio gyda chyfryngwyr ynghyd â chynghorwyr busnes ac asiantaethau eraill.
- Y gallu i werthuso a dadansoddi busnes er mwyn ysgrifennu adroddiad credyd.
- Y gallu i reoli a chynnal cyfarfodydd cwsmeriaid, ac i ymdrin ag ymholiadau ‘O Fewn Bywyd’ cwsmeriaid gan gynnwys cwsmeriaid sy’n cael anhawster ariannol.
- Y gallu i weithio I ffwrdd o’r swyddfa ac yn effeithiol ar eich liwt eich hun allan yn y maes
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Sgiliau/galluoedd
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- Sgiliau gwerthu a thrafod
- Dadansoddiad ariannol
- Sgiliau Cyflwyno
- Gwasanaeth cwsmer sy'n canolbwyntio ar y cleient a ffocws
- Trin cwsmeriaid mewn trafferthion ariannol
- Sgiliau TG cryf
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Rhinweddau Personol
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- Y gallu i flaenoriaethu gweithgareddau, a gweithio i dargedau a therfynau amser
- Rhesymu geiriol effeithiol
- Gwerthwr pendant, brwdfrydig gyda chydwybod gymdeithasol.
- Y gallu i fod yn hunan-gymhellol a gweithio ar eich pen eich hun tra hefyd yn cyfrannu at dîm ehangach BCRS.
- Hyblyg ond gwydn
- Agwedd cadarnhaol
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- Deallusrwydd dda o'r iaith Gymraeg ar lafar ac yn ysgrifenedig
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