Portfolio Manager
Location: Head Office, London
Hours: Monday to Friday, 9:00am-5:30pm
Working Pattern: Hybrid (50/50)
Reports to: Lending Manager
Department: Bridging Finance & Specialist Mortgages - Portfolio Management
About the Role
We're looking for a detailoriented and commercially minded Portfolio Manager to join our Portfolio Management team within Bridging Finance and Specialist Mortgages.
This role plays a pivotal part in managing and supporting a portfolio of bridging and specialist mortgage accounts - including refurbishment lending across light, medium, and heavy refurb projects. Acting as the primary point of contact for customers, brokers, and internal teams, you'll ensure strong credit stewardship, proactive portfolio oversight, and an excellent customer journey throughout the lifecycle of each facility.
This is an excellent opportunity for someone with property lending or development finance experience who thrives in a fastpaced, collaborative environment.
Key Responsibilities
Portfolio & Credit Stewardship
* Monitor loan expiries, extensions, construction milestones, interest tranches, and part releases
* Prepare and oversee monthly timedelay and cost overrun analysis
* Perform cashflow analysis against approved credit to identify material variances
* Monitor early warning indicators and escalate concerns in line with bank policy
Servicing & Customer Management
* Act as the first point of contact for customers, brokers, and internal stakeholders
* Approve advances, materials on site, and payments within delegated authority
* Produce customer administration documents, including redemption statements
* Maintain accurate portfolio records and monitoring systems
Credit & Reporting
* Prepare highquality credit proposals for amendments to existing facilities
* Ensure compliance with HTB's credit policies and procedures
* Produce clear and accurate management information and reporting
Collaboration & Delivery
* Work closely with lending, underwriting, and risk teams
* Support department and bankwide projects as required
* Contribute proactively to a collaborative and highperforming team environment
Who You'll Work With
You'll collaborate with:
* Lending Manager
* Head of Portfolio Management (Specialist Mortgages & Bridging)
* Underwriters and Portfolio Managers
* Risk & Compliance (2nd Line)
* Brokers, customers, conveyancers, and legal partners
What We're Looking For
* Experience in property lending or development finance within banking or property services
* Strong understanding of bridging finance and refurbishmentled lending
* Proven ability to manage multiple priorities in a fastpaced environment
* Strong analytical skills with the ability to interpret and present complex information
* High attention to detail and accuracy in all aspects of work
* Customerfocused mindset with a track record of delivering excellent service
* Solid understanding of risk management and credit stewardship
* Confident communicator with the ability to engage brokers and internal stakeholders
* Experience using Phoebus, Keystone, or Tableau is desirable
Benefits
* Competitive remuneration
* Discretionary annual bonus
* Annual pay review
* Private Medical Insurance (Bupa)
* Mental health & wellbeing support via YuLife & Bupa
* 25 days annual leave (increasing with service) + Holiday Buy Scheme
* Cycle to Work Scheme & Green Car Scheme
* Enhanced family leave policies
* Study support & professional memberships
* Hybrid working (50/50)
* YuLife Rewards - lifestyle & retail discounts
* Pension scheme - 8% employer contribution (noncontributory)
* Interestfree season ticket loan
* Annual volunteering day & Net Zero employer commitment
If you enjoy managing complex lending portfolios and want to play a key role in supporting property investors through refurbishment and development projects, we'd love to hear from you.