Overview
Real Estate lending as an Asset Class makes up an increasingly significant part of the Commercial Balance Sheet, and you will support the Head of Real Estate in being Metro Bank's external face to the property market (customers and professionals), building our brand reputation in this key marketplace.
Responsibilities
* Manage an active portfolio of Real Estate customers and grow the bank with the acquisition of new customers.
* Evaluate lending opportunities and management/testing of financial metrics/conditions, along with risk-based considerations.
* Gather information from the customer; assess, analyse and interpret financial information such as financial statements, management accounts, and profit and loss statements.
* Develop and maintain active and influential relationships with key market professionals and players.
* Be the face of Metro Bank in the Real Estate market (customers and professionals), building our brand reputation in this key marketplace.
* Manage all aspects of risk, including Credit, Operational and Regulatory.
* Build and influence an internal network across Metro Bank to ensure a One Team approach for customers and colleagues, including maintaining key relationships with departments such as Credit, Lending & Securities.
* Perform any other duties as required that reasonably fall within the scope of the role, adapting to evolving team needs and challenges. Always act with integrity.
Qualifications / Experience
* Proven specialist sector knowledge within commercial/corporate Real Estate Finance environments.
* Evidence of report writing and deal structuring skills in support of credit origination.
* Good awareness and understanding of all aspects of Risk; knowledge of commercial banking, property investment and development lending with general wider commercial banking and product knowledge.
* Experience in credit report writing (supporting Relationship Directors), deal structuring and financial analysis, ideally within Real Estate Finance.
* A sound understanding of Financial Crime, AML requirements as well as TCF, conduct and consumer duty expectations and managing/operating within risk, regulatory and operational frameworks.
* Establishes and creates long-term productive relationships and networks inside the Bank.
* The ability to maximise customer relationships whilst being compliant during customer interactions with awareness of Treating Customers Fairly (TCF).
* Plans own time in the short to mid-term to focus on value-adding activity aligned to our Vision.
* Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders.
* A track record of hitting and exceeding personal and business objectives.
Benefits
* Competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and colleague discounts.
* Training to ensure success in the role and plenty of internal opportunities to progress your career (around 40% of recruitment comes from internal promotions).
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