Who is Charity Bank?

Charity Bank is a savings and loans bank with a mission to use money for good. We use the money our savers entrust to us to make loans to charities, social enterprises and organisations with charitable purposes. Our community of borrowers, savers, shareholders and staff are all working towards one goal – helping to create lasting social change in our communities. If you believe that banks have a vital role to play in creating a world, we all want to live in and you want to live your values at work, apply for this vacancy today.

Charity Bank Recruitment Process

At Charity Bank, we prioritise inclusion and fairness in our recruitment process. Our use of recruitment software helps mitigate unconscious bias by incorporating skill-based questions alongside CVs. Responses and CVs are anonymised and reviewed in random order by our hiring team to ensure an equal chance for all candidates, regardless of background. Demographic questions are strictly for statistical purposes, ensuring a balanced candidate pool. Opting out of these questions is an option.

The use of AI tools (e.g., ChatGPT or similar) is permitted in the application process. However, we advise against copying and pasting answers from AI tools, as this often results in generic responses. We encourage you to showcase your own experiences, voice, and style in your answers

We review all applications within two weeks after the closing date, so expect feedback shortly thereafter. If you require reasonable adjustments during the application process, please email us at recruitment@charitybank.org.

Disability Confident Scheme

Under the Equality Act 2010, a person with a disability is someone who has – or has had in the past – a physical or mental impairment which has a substantial and long-term adverse effect on that person’s ability to carry out normal day-to-day activities.

As an Equal Opportunities and Disability Confident Committed employer, we actively encourage applications from people who consider themselves to have a disability falling within this broad definition. To access the Disability Confident Scheme, as an applicant with a disability/long term health condition/mental health condition, you are simply required to:

• Show that you meet the essential criteria described in the person specification.

• Answer ‘yes’ to both the following questions on the Bank’s application form, ‘according to the definition of disability do you consider yourself to have a disability?’ and ‘do you wish to be considered under the Disability Confident Scheme?’

You are not required to share the name or nature of your condition; you are simply stating the fact that you have a disability or long-term health condition/mental health condition. If you do not answer ‘yes’, your application will not be considered under the Disability Confident Scheme.

Adjustments for the application process and interview can be made if needed, so please contact us at recruitment@charitybank.org if you require this.

We are keen to recruit from as diverse a talent pool of applicants as possible, so the scheme gives you not a guaranteed job offer but an opportunity to be fairly and equally assessed in interview along with other candidates who meet the criteria for the role.

Hiring managers do not automatically know the details of your condition(s), they are allowed only to ask what adjustments you may need before the interview or when you are in receipt of a job offer.

Be reassured that any adjustments you require will be treated in the strictest confidence and will not form part of any aspect of the assessment.

If a job offer is made to you, we will discuss with you any adjustments that you may need in the workplace to enable you to perform the duties required. These will not be discussed at the interview.

In your application, please ensure you demonstrate clearly how you meet the essential criteria.

If you have any questions about the process, please contact us recruitment@charitybank.org.

Four-Day Week with Full-Time Pay 

Charity Bank's Four-Day Week initiative, open to all employees from day one, champions work-life balance by providing four days of work with full-time pay. This innovative approach underscores productivity, equal compensation, and the creation of an inclusive workplace in line with Charity Bank's social mission. The 32-hour workweek typically spans four eight-hour days, offering flexibility to typically choose Friday or Monday as the day off. Days off are protected and treated like weekends, ensuring uninterrupted personal time. The arrangement is flexible, adapting to part-time employees on a pro rata basis. 

JOB PROFILE

Job Title: Senior Impact Relationship Manager (Specialist Sectors)

Contract: Permanent, Full-time

Location: Home based, includes regular travel across South of England

Responsible to: Director of Business Development & Borrower Experience

Purpose of the Role

As a social purpose bank, Charity Bank exists to use money for good — lending to organisations that strengthen communities, enrich lives, and protect the planet. This key role combines specialist commercial insight with a deep understanding of social purpose across a range of charities, social enterprises, and mission-driven organisations across the UK — ensuring every loan is sound, sustainable, and maximises positive social impact.

The Senior Impact Relationship Manager plays a central role delivering our mission by originating, structuring, and completing loans between £1 million and £10+ million nationally across one of our Specialist Sector teams;

· Housing, Support & Healthcare – Social and Supported Housing & Residential Care

· Communities, Faith, Culture & Education – Commercial Assets for Community Use

· Sustainable Real Estate & SME – Private Organisations delivering High Social/Community Impact

This role will be focused on the Communities, Faith, Culture & Education sector, however relevant experience across Housing, Real Estate or Property Development lending will also be highly desirable.

Key Responsibilities

Business Development & Relationship Management

· Proactively source and originate new lending opportunities from charities, social enterprises, registered landlords and impact-led private housing and community-based organisations.

· Build and maintain strong relationships with senior leaders, boards, and advisers across the social sector, understanding their needs, challenges, and ambitions, suggesting innovative solutions.

· Develop a high-quality lending pipeline of opportunities aligned with Charity Bank’s strategic priorities and risk appetite across both existing professional and social sector networks and the paid intermediary’s channel capable of delivering ~£20M drawn lending p.a.

· Represent Charity Bank externally — speaking at sector events, networks, and partnership forums — acting as an ambassador for values-based banking.

· Liaise with public sector bodies, including Government and local authorities, with a view to developing our lending activities.

Structuring, Credit and Execution

· Undertake client site visits and lead the structuring and negotiation of complex transactions within delegated authorities and policy frameworks, preparing and presenting high-quality credit papers to delegated authorities or committees with clarity and confidence.

· Work collaboratively with credit, risk, legal, and impact colleagues to progress cases efficiently from approval to drawdown, managing the due diligence and documentation processes, ensuring compliance with legal, regulatory, and internal policy standards.

Onboarding & Portfolio Transition

· Support early-stage borrower engagement, ensuring loan purpose and impact are clearly defined and monitored and ensuring smooth onboarding + handover to the portfolio management team post completion.

· Maintain oversight of key portfolio relationships where appropriate, supporting renewals and restructures as required.

· Identify borrowers who are or may be suffering credit stress and who represent an actual or potentially impaired exposure for Charity Bank and support the Credit Team in any work-out action that may be required.

Social Impact & Values

· Ensure all lending activity aligns with Charity Bank’s mission to use money for good and demonstrates measurable social or environmental impact.

· Collaborate with the Impact team to articulate and evidence the difference our lending makes.

· Uphold Charity Bank’s values — fairness, integrity, transparency, and partnership — in every aspect of client engagement.

Key Performance Indicators

· Individual contribution towards high value new bilateral lending opportunities originated inc. property development proposals (new to bank opportunities p.a. between £1m–£7.5M).

· Partnering with the Head of Structured Finance to deliver syndicated opportunities (>£7.5M).

· Conversion rates from enquiry to approval and drawdown.

· Quality of credit submissions and adherence to policy and timescales.

· Borrower satisfaction, time to cash and positive impact outcomes evidenced post-lending.

· Contribution to a collaborative, learning-oriented team culture.

Other Requirements

• Delivering stretching financial key performance indicators including Approvals, Drawdowns, Fees and Returns as well as Impact based KPI’s (Social & Environmental).

• Regular travel across the United Kingdom

• Occasional long hours and overnight stays

PERSON PROFILE

Essential Experience

• Significant experience (typically 10+ years) in business development of property lending or impact finance, with exposure to transactions in the £1m–£14m range.

• Demonstrated success in originating, structuring, and completing loans to mission-led organisations.

• Strong credit and financial analysis capability, with the ability to articulate both risk and impact rationale clearly.

• Proven experience working with complex borrowers inc. charities, housing associations, CICs, or community orgs.

• Proven experience of property development finance and associated legal documentation.

• Attention to detail on credit stewardship matters including conditions precedent/subsequent and annual renewals + strong awareness of relevant regulatory frameworks and practices.

Desirable Experience

· Understanding of the needs of and issues facing social sector loan applicants and existing networks in the UK charity and social enterprise space

· Syndicated lending experience

Attainments

· Professional training in commercial lending and/or higher education in a business discipline

Special Aptitudes

· Commercially astute yet values-driven, balancing risk with mission.

· Excellent communication and stakeholder skills, able to engage confidently with senior executives and trustees.

· Analytical, highly numerate and detail-oriented, with sound judgement and pragmatic problem-solving skills.

· Organised and self-motivated, capable of managing multiple opportunities simultaneously.

· Collaborative team player who shares knowledge generously and supports colleagues across departments.

· Strong organisational skills, excellent at prioritising and managing own time.

· In depth understanding of financial models of delivery and ability to interpret MI from borrowers.

· An early adopter of technology and applications to improve speed and productivity including CRM and tools.

· Self-reliant and able to work independently and on their own initiative with minimum support.

· Liaison with the Marketing Team to create content in support of the Business Development effort.

Disposition

· Results oriented – motivated to achieve personal targets to support the overall success of Charity Bank.

· Excellent inter-personal skills and emotional intelligence.

· Excited by the opportunity to lead values-based banking.

· Enthusiasm to promote the mission of Charity Bank.

· Supports the principles of equality of opportunity, and values diversity and difference.

Thinking Style

· Pragmatic and practical, solutions-focused

· A high degree of personal integrity; engenders trust and authority with colleagues and stakeholders

· Flexible in style and approach, able to adapt to new situations and/or changing priorities requiring new skills