My client is a non-bank Real Estate Lender. They are a small team based in Kent who is recruiting for a Junior Portfolio Manager to join their successful team.
Overview
You will be conducting in-depth analysis, managing active loans, and ensuring that all lending activities align with the company’s risk management and performance objectives.
This role offers hands-on experience in all aspects of property finance and development, with the potential for growth and additional responsibility and business winning.
Responsibilities
Sourcing New Lending Opportunities:
* Identify new lending leads through planning approvals, online research, LinkedIn, and other channels.
* Conduct preliminary research to verify project viability and borrower suitability.
Development Appraisals and Credit Analysis:
* Prepare initial development appraisals, ensuring that borrower assumptions align with industry standards.
* Assist in drafting credit approval documentation and recommending loan terms for management review and sign-off.
* Perform in-depth analysis of comparable sales data (Rightmove, Searchland, Land Registry) to verify project assumptions.
* Conduct background checks on borrowers, assessing potential risks such as bankruptcy, current portfolio exposure, and historical lender relationships.
* Financial modelling and security analysis.
Loan Onboarding:
* Progress loans from Heads of Terms through to completion, coordinating with solicitors, valuers, monitoring surveyors and Brokers to push deals over the line.
* Negotiate drawdown templates with borrowers to establish clear terms from the outset.
Active Loan Management:
* Develop and maintain a loan tracker to monitor key metrics, including drawn amounts, accrued interest, fees, and leverage ratios.
* Manage a risk matrix for live loans, tracking build progress, planning conditions, sales status, and potential loan extensions.
* Conduct on-site monitoring for smaller or local projects, ensuring project milestones are being met.
* Review and analyse project monitoring reports to provide internal insights and updates.
Financial and Market Analysis:
* Support in generating monthly KPIs and annual P&L forecasts.
* Research and analyse competitor products to stay informed of market trends and competitive positioning.
What you will Bring:
* Experience in Property Construction or Finance would be advantageous, but not essential.
* Driving licence and access to own vehicle
* Excellent communication and interpersonal skills, with the ability to build effective relationships with stakeholders.
* Ability to work in a fast-paced, dynamic environment.
* Basic proficiency in Excel.
* Strong numeracy skills.
* Excellent organisational abilities with high attention to detail to manage multiple projects simultaneously.
* Works well within a team and contributes to a positive work environment.
* Confident in presenting information clearly and effectively to internal and external stakeholders.
* Friendly, confident, and able to build relationships with potential borrowers and industry professionals, able to network and ‘open doors’.
Salary: up to £35k plus a discretionary bonus
Location: Sevenoaks