Vacancies

Group Financial Controller

A fantastic opportunity for a qualified accountant to join us as our new Group Financial Controller.

This is a business critical role, requiring the successful candidate to deliver operational excellence across finance. Our environment compliments a driven individual who is ambitious, innovative and able to drive improvements in the accounting function.

Qualifications, skills and experience required:

• ACA (desirable) or ACCA qualified from a top 4 Accounting Firm, minimum 3 years post qualification experience
• At least 5 years experience within the financial services industry
• Desire to create a culture that encourages continuous process improvement
• Strong technical skills and up to date knowledge of IFRS and UK GAAP, with a commercial mind set
• Excellent stakeholder engagement skills
• Enthusiastic and self-motivated individual that works smart and delivers fast

This is a full time position with an attractive remuneration package including benefits.

Interested? Please send your CV in the strictest of confidence to careers@mfg.im.

If you'd like more information regarding the role or an informal discussion, please contact either Sylvia on 694706 or James on 694684.

We can't wait to hear from you!

Purpose of Role

Reporting to the Head of Group Finance and Finance Director of Conister Bank Limited ("the Bank") ensure the Group's statutory, management and regulatory financial reporting is timely, accurate and in accord with regulatory requirements and accounting standards. In addition, provide accounting and strategic financial support for projects led by the Group and day to day operational management of the Finance team.

Key Tasks and Responsibilities

• To manage the production and provision of management information of the Group and reported on a timely basis to the Group and the Bank Board of Directors
• To ensure that the financial statements and returns of the Bank are prepared in compliance with statutory/regulatory requirements as well as Group standards/practices
• Preparation of annual budgets; business plans (company and consolidated) and forecasting for all entities within the Group
• Provide business and financial strategy and planning, monitoring, management and reporting including management and development of policies, systems, processes and personnel involved
• Develop and implement effective and innovative ways of producing financial information for all Group companies
• Plan and manage the Company's tax liabilities under existing and proposed legislation. Evaluate the tax liability impact of contemplated courses of action, minimise the tax burden and deal with tax authorities
• Review and submission of quarterly group VAT return
• ALCO member assisting businesses in planning and risk identification and mitigation
• Management of the finance department staff ensuring that they are set clear objectives, provided training and support and that their performance is monitored and directed to the achievement of departmental targets
• Communicate effectively with the finance team on a regular basis ensuring information is clear, accurate and timely; encouraging team participation in the way information is relayed to and from the departments
• Monthly Salary sign off, control account reconciliation, ITIP/NI submissions, defined benefit pension payment and reconciliation
• To develop systems and procedures to ensure the efficient and effective management of the Company's finances, including managing banking relationships, SODA adherence
• To manage the audit process of all Group companies, being the principle liaison and ensuring that all board and regulatory deadlines are met
• Assist Head of Group Finance in driving continious improvements to the Finance department, promoting operational efficiency and improved automated, co-ordinated management information
• Maintain awareness and comply with all anti-money laundering legislation, regulations, policies and procedures relevant to the Bank
• Comply with all policies and procedures relevant to the role
• Ad-hoc projects

Principle Accountabilites

• Reports to the Bank's Finance Director
• Group Finance Director
• Conister Bank and MFG Senior Management

Knowledge, Experience and Skills

• Qualified Accountant, minimum 3 years post qualification experience
• Minimum 5 years experience gained working within the financial services industry
• Sound and up to date knowledge of UK GAAP and International Financial Reporting Standards (IFRS)
• Experience of managing staff within an accounts department
• Strong organisational skills
• Strong IT skills including Excel modelling skills
• Knowledge of Sun accounts package and Vision reporting tools or similar would be an advantage

Working Relationships

• Directors and Managers within the Group
• FSA to ensure ongoing compliance of reporting
• External auditors
• HM Treasury and Customs to ensure ongoing compliance of reporting
• Professional advisors

Desicion Making Authority

• Mandated signatory in accordance with the delegated authorities
• Sign off of payroll as per Corporate Governance manual

Competency Framework

Credit Underwriter

Exciting opportunity for an experienced Credit Underwriter to join a forward thinking and proactive, friendly Credit Team.

Your main duties will include; analyse and assess credit applications, including analysis of both financial and non-financial information, within an assigned
authority. 

The role demands a high level of analytical ability and attention to detail in order to make sound credit decisions.  

Minimum 3 years' experience working in a credit role (lending or mortgage assessor) within the financial services industry, excellent interpersonal and communication skills and an understanding of Isle of Man (desirable UK) regulatory requirements to relating to the provision of credit facilities.

Terms and conditions : Permanent full time - core working hours 9 am to 5.30 pm Monday to Friday.   Attractive remuneration and benefits package.

To apply, please forward your CV to careers@mfg.im     

General Purpose

To analyse and assess credit proposals received from brokers or clients directly. To liaise with introducers or clients to obtain all relevant information and to turn deals around within a reasonable period. To build good relationships with CB clients / brokers.

Reporting to the Credit Manager.

Key tasks and responsibilities

• To assess applications received for loans and approve loans that meet the Banks agreed lending criteria in accordance with their mandated authority.
• To assess applications received for loans and recommend to the Credit Manager or the Credit Committee those which meet the Bank's lending criteria but are outside their mandated authority.
• Communicate and liaise verbally and in writing between customers and staff, and interpret   and respond clearly and effectively to spoken requests over the phone or in person.
• Accurately maintain all related systems, files and Data.
• To ensure all relevant Regulations and Polices are adhered to when assessing any proposal.

Principle Accountabilities

Support for Continuous Improvement

• Contribute to the process of continuous improvement by identifying and escalating/auctioning ideas as appropriate
• With the assistance of line management develop ideas that improve business performance and establish Best Practice

Achievement of Service Standards

• Ensure the quality delivery of services to customers colleagues and other areas of the business
• Identify and escalate any problems that impact on service standards
• As required investigate complaints received and seek to provide appropriate solutions

Continuous Professional Development

• In association with line management, agree any personal training and development needs to ensure personal knowledge and skills are developed appropriately

Relationship Building

• To build and maintain flexible working partnerships both internal and externally
• Personal expertise/specialist knowledge skills offered to colleagues

Personal Attributes

• To be able to multi skill and be team player
• To be able to demonstrate competencies and behaviour consistent with high performance culture
• The ability to communicate clearly and knowledgeably with other staff, professional contacts and customers
• To understand the practical application of the Isle of Man's Anti Money Laundering Guidance notes.

Knowledge, Experience and Skills

• A minimum of 3 years experience working in a credit role within the financial services industry
• Understand the relevant UK & IOM Regulatory requirements relating to the provision of credit facilities in these jurisdictions
• Excellent interpersonal and communication skills are essential as this role will involve influencing at all levels
• Strong verbal and numerical
• Excellent planning, organisation and time management
• Ability to work under pressure
• Active listening and questioning
• Work produced to high quality standards
• Professional detailed conscientious approach to work
• Team player
• Good working knowledge of Microsoft Office packages

Working Relationships

• Liaison with Head of Credit, Operations & Compliance teams and other business areas
• Interaction with UK brokers and partners to manage and improve relationships

Decision Making Authority

• As detailed in Personal Underwriting Authority Mandate and in accordance with the Credit Policy

Core Competencies

(See Competency Framework)

• Customer Focus - Level 2
• Teamwork - Level 2
• Communication - Level 2
• Adaptability and Learning - Level 2
• Planning and Accountability - Level 2

Business Relationship Manager - CF&L Manchester

An exciting and varied opportunity has arisen for experienced Business Relationship Manager(s) to join Conister Finance & Leasing's new operational hub based in the heart of Manchester.

The successful candidates will work together with our Business Development Managers and form an integral part of the operational support function.

Key responsibilities include:

• Developing and maintaining strong external and internal relationships
• Assisting with the preparation of new product quotations in line with customer enquiries and briefs
• Undertaking credit analysis of various types of asset finance lending proposals
• Proactively managing new business proposals, updating customers and brokers with loan statuses
• Assisting internal audit with reviewing client procedures and practices to meet operational and regulatory requirements

Essential experience/skills:

• Experience gained in a sales support role ideally within asset finance/financial services
• Excellent communication and organisational skills with the ability to manage your own time effectively
• Strong numerical skills, attention to detail and IT literate skills
• Working knowledge of FCA and regulatory requirements

Terms & Conditions : Full-time permanent with an attractive benefits package and working environment.

For further information or to apply, please email your CV and remuneration, in the strictest of confidence, to careers@mfg.im   Closing date 12 March 2018.

General Purpose

The job holder will work together with our Business Development Managers forming an integral part of the sales support function ensuring deliver of an excellent customer service to all clients, prospects, internal and external customers and across the Manx Financial Group PLC (MFG) companies.

Key tasks and responsibilities

• Develop and maintain strong external and internal customer relationships.
• Work together with the BDM's to on-board new customers and introducers, ensuring that all documentation is completed as per internal procedures and the systems are accurately updated.
• Involvement in the preparation of credit line facility requests for new and existing customers.
• To liaise with the Collections Manager on an as required basis and assist with the management of customers in default.
• Under the supervision of the Internal Audit Team assist with monitoring reporting of partners including procedures and practices to meet operational needs and/or regulatory requirements.
• Assist with data compilation required for internal / external monitoring reviews.
• Assisting with UK customer asset inspections.
• Consistently and accurately provide information to the Executive Director or nominated person to assist in the production and completion of monthly/quarterly/annual sales analysis and reports.
• Working effectively and as a team with all colleagues to achieve the common goal of writing good quality new business.
• Ensure introducers fully understand the Company's lending criteria and regulatory requirements, including KYC and AML.
• Continued professional development of knowledge and understanding of consumer and business finance industry including the Company products and services, clients, competitors, introducers and markets.
• Maintain awareness and ensure compliance with applicable laws, service standards, company policies and procedures, anti-money laundering legislation, agreed operational and control processes relevant to Company.
• Promote and adhere to the Company's culture and values.
• Identify and drive own personal career development needs through self-analysis and feedback from others.

Other

• First aid at work and Fire safety
• Stationery supervision, ordering and co-ordination of office equipment maintenance

Knowledge, Experience and Skills

• Previous experience within the financial services industry preferably gained within asset finance.
• Excellent interpersonal skills are essential as this role will involve communicating at all levels.
• Strong organisation, numerate and IT skills.
• Systematic work approach and attention to detail.Clean driving license is essential.

Working Relationships

• Liaison with customer services staff to ensure that business leads/referrals are maximised.
• Liaison with the Debt Recovery Team in relation to default customers. 
• Liaison with internal compliance staff, to ensure records are accurate and compliant.

Decision Making Authority

• The jobholder is responsible for recommending asset finance solutions to clients.
• Decisions relating to recommendation of products and appropriate solutions.
• Responsibility for contributing to/management of the agreed departmental budget.

Competency Framework

• Customer Focus                                                          Level 1
• Team Work                                                                  Level 1
• Communication                                                            Level 1
• Adaptability and Learning                                            Level 1
• Planning and Accountability                                        Level 1

Business Development Manager - CF&L Manchester

Exciting opportunities have arisen for experienced, highly driven and motivated Business Development Managers to join Conister Finance & Leasing's new operational hub based in the heart of Manchester.

We are looking for individuals with a strong background in asset finance and proven sales track record to play a fundamental role in the future development of the Company.

Key responsibilities include:

• Independently generating new business opportunities and maintaining existing customer relationships
• Working directly with companies/brokers in the retail and SME business arenas
• Structuring finance proposals and negotiating terms to meet customer requirements
• Conduct due diligence and suitability checks as part of credit sanctions through to payout
• Meeting all FCA and regulatory requirements as directed by the Company

Essential experience/skills:

• Proven sales/networking experience and strong relationship building skills
• Developing innovation that delivers added value to customers
• Excellent organisational, communication and influencing skills
• Financial analysis skills and the ability to prepare high quality credit reports
• A full clean driving licence is essential and applicant must be prepared to travel as required

Terms & Conditions: Full-time permanent with an attractive benefits package and working environment.

If you are ready for your next career move and interested in a new challenge, we would like to hear from you.

For further information or to apply, please email your CV together and remuneration, in the strictest of confidence, to careers@mfg.im  

Closing date 12 March 2018.

General Purpose

The job holder is responsible for identifying new business opportunities, markets, partnerships within own designated geographic region and to meet agreed sales targets and company objectives. Deliver excellent customer service to all clients, prospects, internal and external customers accross the Group.

Key tasks and responsibilities

• To develop and maintain relationships with existing clients/introducers and establish new relationships with potential customers/introducers.
• To proactively seek out new clients, revenue streams and effectively convert leads to opportunities by using best practice and delivering excellent customer service at all time.
• To underwrite quality profitable business within delegated discretionary power and underwriting guidelines as set from time to time.
• Keeping up to date with our competitors and other market changes.
• Consistently and accurately provide information to the Executive Director or nominated person to assist in the production and completion of monthly/quarterly/annual sales analysis and reports.
• Working effectively and as a team with all colleagues in all departments to achieve the common goal of writing good quality new business.
• Ensure introducers fully understand the Company's lending criteria and regulatory requirements, including KYC and AML.
• Continued professional development of knowledge and understanding of consumer and business finance industry including the Company products and services, clients, competitors, introducers and markets.
• Maintain awareness and ensure compliance with applicable laws, service standards, company policies and procedures, anti-money laundering legislation, agreed operational and control processes relevant to the Company.
• Promote and adhere to the Company's culture and values.
• Working effectively and as a team with all colleagues to achieve the common goal of writing good quality new business.
• Identify and drive own personal career development needs through self-analysis and feedback from others.

Principle Accountabilities

• Achievement of the sales target in core product areas including existing client base, new clients and referrals/leads.
• Demonstrate and apply technical skills, market and product knowledge skills to a level that will support business development.
• Maintain clear and accurate records of all documentation in line with internal policies and procedures.
• Identify and promote cross-selling opportunities within the business.
• Promote the business externally through social and networking activities.

Knowledge, Experience and Skills

• Experienced DBM or sales executive within the financial services industry preferably asset finance.
• Proven track record in achieving challenging sales targets and delivering outstanding customer service.
• High-level interpersonal skills are essential as this role will involve influencing at all levels.
• Strong time management, planning and negotiation skills.
• Numerate and proficiency in MS Office.
• Clean driving license is essential.

Working Relationships

• Liaison with customer services staff to ensure that business leads/referrals are maximised.
• Liaison with the Debt Recovery Team in relation to default customers. 
• Liaison with internal compliance staff, to ensure records are accurate and compliant.

Decision Making Authority

• The jobholder is responsible for recommending asset finance solutions to clients.
• Decisions relating to recommendation of products and appropriate solutions.
• Responsibility for contributing to/management of the agreed departmental budget.

Competency Framework

Commercial and Entrepreneurial Acumen                  Level 3

Customer Focus                                                          Level 3

Judgement                                                                  Level 3

Sales and Marketing                                                   Level 3

Influencing Results                                                     Level 3