My client is a boutique Private & Commercial Bank who has a dedicated Real Estate Finance team specialising in property investment lending.
Overview
* Offer a sophisticated Real Estate Finance service that caters to the unique needs of experienced Real Estate professionals, with an expected target debt requirement of £3mn+, specifically in the Residential Investment market.
* Develop and enhance relationships with both new to bank and existing HNW clients’ businesses
* Provide effective lending and deposit solutions to meet the needs of such clients, building a profitable and sustainable portfolio which contributes positively to both sides of the Bank's commercial balance sheet
* Work professionally and proactively to represent the Bank both externally and internally
* Work closely with Private Bankers to encourage internal networks for the referral of business
Responsibilities
* Origination and Primary relationship management responsibility of a portfolio of more complex real estate clients, serving as their strategic partner in the bank and acting as a gateway to other products and services.
* Specific responsibility for developing the Bank's offer in the UK and also to source business for the wider bank.
* Meet demanding new business development targets and ensure unwavering commitment to service excellence
* Manage and develop a high value and complex portfolio of both assets and liabilities (including the management of a loan book) with particular focus on its impact on the P&L and Balance Sheet
* Within a 6-month period, develop and present business cases and initiate credit proposals that are complex, in-depth and larger value to meet your clients’ needs and that meet the Bank's standards.
* Overall responsibility for your own risk and regulatory performance as a senior member of the banking team, including the client acquisition process
* Manage and develop an extensive network of external business relationships and introducers to acquire, develop and service SME clients
* Work proactively with the Director, UK Real Estate to develop a strategic business plan for your area, including support in the development of less experienced Relationship Managers and Support staff
What you will Bring
* You will have a successful background in Commercial Banking and detailed knowledge of the Real Estate market
* Significant Commercial Banking experience dealing with Real Estate clients in property investment lending
* Proven track record in developing new business and growing a portfolio of high-quality Real Estate clients
* Fulfil the responsibilities required under the FCA’s pillars
* Excellent interpersonal skills including networking, negotiation, presentation, influencing and collaboration
* Excellent business development skills
* Excellent risk analysis and credit report writing skills, incorporating the ability to present effectively to Credit Committee in a way that inspires confidence and credibility
* Competence with Microsoft Office, including Word, Excel and PowerPoint
* Preferred: banking qualifications ACIB/Chartered Banker or equivalent
Salary: up to £10k plus bonus and benefits
Location: Manchester with hybrid working