Lending Fulfilment Officer - Unsecured Loans

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.

Role Description

The Lending Fulfilment Officer - Unsecured Loans role will be responsible for the fulfilment lifecycle of unsecured lending applications, together with back-office activities to support the smooth running of the function. The role will be accountable for delivering a best in class service to our broker partners and customers leading Allica’s commercial success in the Unsecured Loan market.

Principal Accountabilities

• Deliver post-approval administration to unsecured loans through the fulfilment journey to drawdown, ensuring timely release of documentation and payments to support the bank’s ethos of fast, high-quality service.

• Relationship building and strong engagement with brokers, direct customers, and all associated parties to the product.

• Managing a pipeline of cases to ensure adherence to the team’s service level agreements and quality expectations.

• Responsible for satisfying operational approval conditions pre-drawdown, supporting internal and external stakeholders to drive completions.

• Maintain clear and accurate records for each case, including clear sanction audit trail, for MI and monitoring.

• Support wider Operations team with complex queries, liaising with other departments including Distribution, CDD & Underwriting.

• Maintain and update customer records, including data entry into the Core Banking system.

• Be a core point of contact for Brokers & customers to assist with questions & queries in relation to the fulfilment journey.

• Ensure compliance with Bank’s policies, procedures and guidelines together with all appropriate regulatory and statutory requirements, implementing actions to protect the Bank’s business at all times.

• Support wider lending teams, which may include cross skilling and working across Asset Finance & Property backed lending where required.

Personal Attributes & Experience

• Strong customer service experience, having worked in customer facing and or telephone service roles.

• Experience using core banking systems and familiar with the use and application of social media as a form of interaction.

• Experience in dealing with complex complaints and in taking ownership of customer concerns through to resolution.

• Experience of core processes (e.g. account opening, servicing and closing, payments processing, complaint handling, KYC case referrals, general enquiry management).

• Experience in working with workflow / task management tools.

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.