Working at Bank and Clients plc

B&C is a conservatively-run, privately-owned UK bank, which was formed in 2014 through the combination of two long-standing and successful UK organisations. Church House Trust, a retail bank which was founded in 1978 and Ocean Capital, a direct lender to corporate clients, founded in 2002.

B&C offer three lines of business:
-- SAVINGS & DEPOSITS --
B&C offers a range of savings and deposit products which meet the requirements of individual savers and SMEs depositors covered by the Financial Services Compensation Scheme (FSCS). To view B&C interest rates and apply, please visit www.bankandclients.com:
* Personal Sterling savings and deposit accounts
- Variable Interest Rate Accounts: 90 Day, 6 Month and 12 Month Notice Accounts and 18 Month Fixed Term Account
- Fixed Interest Rate Accounts: 2 and 3 Year Fixed Rate Accounts
* Corporate Euro Deposit Accounts: 30 and 90 Day Notice Account

-- MORTGAGES --
B&C provides mortgages for clients whose requirements are not always met by the larger retail banks. We aim to become the lender of choice for specialist, complex prime mortgages. We work solely via intermediaries and, through a process of dialogue with mortgage brokers, we develop tailored products with clear underwriting criteria that meet the needs of each client. The types of mortgage lending we provide are:
- Owner-occupied residential loans
- Buy to Let residential loans
- Commercial loans
- Residential and commercial hybrid loans
All mortgage underwriting is carried out on an individual basis by our experienced team, enabling B&C to make a quick and complete assessment of each mortgage application.

-- BUSINESS LOANS --
B&C works with medium to large-sized companies which are often privately-owned, family businesses, as well as a number of listed clients. B&C works closely with its clients to understand their businesses and long-term needs. We are based in the UK and have a presence in Spain, Switzerland and Canada serving global clients.
Although we tailor our approach for each client, our offer falls into three broad categories:
- Standard business loans: strengthening the liquidity of the balance sheet structure without causing any shareholder dilution
- Asset based lending: monetising dormant assets at the heart of the balance sheet (inventories, stocks, intellectual property, machinery, trade receivables)
- Cash flow lending: medium to long-term financing, adapted to client needs and cash flows

All products are subject to terms and conditions including relevant money laundering checks.

B&C is a trading name of Bank and Clients PLC, which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Registered Office: 30 King Street, London EC2V 8EH. Company Number 980698. Entered on the Financial Services Register, Number 204459, www.fca.org.uk/register.