Relationship Manager Agriculture in Newcastle - Virgin Money

Business Unit:?Business Direct - Sector Relationships
Salary Range: £48,000 to £60,000 per annum DOE?+ benefits 
Location: UK Hybrid - occasional travel to a hub
Contract Type: Permanent

Our Team  

We have an exciting opportunity to join Business Direct's Agri Sector Relationships team to support Agribusiness customers across the UK.  If you have a passion for Agriculture or a strong desire to learn and are keen to develop nurturing relationships, then this might just be the role for you. 

Everyday you'll get to provide a top-class service to a portfolio of Agri customers, working with them and their supporting professionals to establish their needs and thinking creatively about how you can deliver for them.   You'll be working closely with a fantastic team to make sure we achieve our goals as well as getting to develop your skills further on the more complex cases. 

What you'll be doing 

• Ensure that you're delivering a simply brilliant experience for customers
• Management of Risk Exposure within portfolio - managing repayment and risk exposures and focusing on growing our Business.
• Contribute to the team's financial performance and achievement of its overall business objectives
• Preparing credit applications to support customer requests - analysing financial information and working closely with Credit to achieve desired outcomes
• Management of Risk Exposure within a portfolio
• Solve complex queries in a timely fashion
• Ensure excellent attention to detail and care in data quality, and lending risk measurements
• Develop strong relationships with new customers through focussed conversations
• Liaising with professionals (solicitors/accountants/valuers) to achieve the customers' requirements and build relationships for future business opportunities
• Deliver a strong focus on customer retention

We need you to have 

• Knowledge of the UK Agriculture sector including key market opportunities and challenges
• Experience of managing a demanding portfolio of clients
• A track record of generating business growth, identifying, structuring, negotiating and delivering business opportunities
• Proven ability to perform under pressure, consistently meeting tight deadlines with resilience and initiative
• Understanding of Agriculture Financial Statements and regulations
• Relationship building experience including managing challenging conversations
• Working both independently and as part of a team
• A real eye for detail with plenty of experience of delivering workloads to tight timescales
• Ability to plan ahead and manage your workload efficiently
• Excellent interpersonal skills and written and verbal communication skills
• Understanding of risk and compliance requirements in line with the role
• Ability to work at pace and manage multiple requests whilst maintaining and delivering a first-class service to colleagues and customers

It's a bonus if you have but not essential 

• Experience of Business Banking, including a good knowledge of our business products & services
• Have completed Moody's (Commercial Lending) and have the ability to understand and interpret financial statements
• A sound knowledge of Vulnerable Customer requirements with an ability to identify financial difficulty

 
Red Hot Rewards  

• 25 days holiday per year, increasing over time to 30. Plus, an option to buy more, giving you even more choice.
• Private medical insurance
• A highly competitive pension to help you build a strong foundation for retirement
• Access to an annual performance-related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our flexible benefits scheme
• Life assurance to provide peace of mind for you and your loved ones
• Up to 2 days of paid volunteering a year  

If we're lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.  

Say hello to Virgin Money 

Virgin Money is so much more than just a bank. As part of the?Nationwide group,?together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose; Banking but fairer, more rewarding and for the good of society. With us, you'll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.  

 
Be yourself at Virgin Money 

At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking - but fairer, more rewarding, and for the good of society.??We're committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.? ? 

As a Disability Confident Leader, we're committed to removing any obstacles to inclusion.  If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team 

Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.

Now the legal bit 

We're in the process of bringing Virgin Money and Nationwide together which, subject to Court approval, will happen on 2 April 2026. You can find out more about what this means at https://nationwide-transfer. If you're successful in securing a role with us, your employment will move automatically to Nationwide when this transfer goes ahead.

Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK. 

If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory refer