Overview

Relationship Director - Structured Property Finance, Bridging and StabilisationCynergy Bank is the UK’s human digital bank serving SMEs, professionals and high net worth individuals. This role joins a high-growth, specialist lender with ambitious expansion plans in structured and bridging finance.Responsibilities

Play a key role in driving origination and expanding our footprint in the £10m–£50m lending segment.Leverage your technical expertise to structure tailored lending solutions, particularly around stabilisation and transitional assets.Operate within a collaborative and agile team environment, supported by robust credit, legal, and operational infrastructure.Contribute to the evolution of our lending strategy, product development, and market positioning.Understand the bank’s products and services, proactively identify and action sales opportunities in order to meet business objectives.Meet growth, performance and income targets through proactive development of new business from professional networks.Independently assess, critically evaluate, prepare and submit applications for loan facilities, ensuring appropriate commentary and analysis to aid decision making to the high standards expected.Proactively manage all transactions from credit assessment through to completion alongside Transaction Execution Manager.Ensure an effective post-drawdown handover to colleagues who will assume direct responsibility for the connection.Maintain delivery of high-quality service to customers as required.Build and maintain effective relationships with key business partners to maximise potential growth of business.Build knowledge of relevant markets and customers to anticipate and meet their needs.Monitor market developments and competitor activity; recommend and implement appropriate action to ensure the Bank remains competitive.Proactively support monitoring of the credit portfolio and take action as necessary to minimise risk and ensure quality account management.Review credit applications in accordance with policy to minimise risks and ensure quality account management of the credit portfolio.Ensure clients are compliant with AML policies and KYC procedures, including periodic reviews.Manage relevant Management Information and ensure appropriate action is reported.Provide input to Bank policy including lending guidelines, product development and overall risk management.Support the design and implementation of the banking strategy, including growth and income targets and adherence to operational and regulatory risk standards.Qualifications / Required Skills

Minimum 5 years’ experience in mid-market lending, with emphasis on structured property finance, bridging, and stabilisation facilities.Proven ability to originate and execute complex transactions, including stabilisation loans at practical completion where properties transition from development to income-generating assets.Exposure to residential development, PBSA, commercial real estate, trading businesses and mixed-use schemes.Well-established network of introducers, brokers, and KBIs in the £10m+ lending space.Strong credit analysis and structuring skills, with ability to assess cash flow risks, lease-up dynamics, and mitigate factors to ensure covenant compliance during stabilisation.Benefits

Holiday allowance plus bank holidays and day off for your birthdayOption to purchase additional 10 days holidayPension contribution and life assuranceIncome protection scheme and season ticket loanMedical cover (after probation)Electric car scheme and money coach (after probation)Hybrid Working Pattern: 3 days in office and 2 WFHDetails

Location: London, England, United KingdomSeniority level: Mid-Senior levelEmployment type: Full-timeJob function: Business Development and SalesIndustries: Banking

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