Assist the Structured Real Estate team in achieving its finance targets and be a focal point in handling relationships for ‘owned’ cases and manage existing assigned relationships.
Key Responsibilities
* Assist Head of Structured Real Estate in identifying and analysing new opportunities ensuring delivery of business objectives.
* Generate new business in line with personal objectives and analyse new opportunities / deals and present the same to Credit Committees and oversee the drawdown process.
* Identify Watch triggers, EWIs and recommend robust, bespoke and innovative workout strategies whilst avoiding cost carrying issues.
* Prepare and submit quality credit proposals (new and enhancements) whilst ensuring adherence to credit policies.
* Conduct periodic annual reviews, and where required, prepare Watch submissions and review customer due diligence writeups.
* Undertake stress scenarios with forward looking cash modelling and demonstrate understanding of Risk Ranking tool, Pricing tool and PD model input.
* Responsible and accountable for the following:
* In Life Management of the allocated portfolio
* Discounted Stressed Cash flow modelling
* Non-Standard Conditions Precedent
* Proactively managing covenant compliance
* Maintain a comprehensive knowledge of the Bank’s assets, liability and fee income products and a working knowledge of competitor products.
* Comply with the Bank’s risk procedures and criteria to ensure this area is managed according to company objectives along with adherence to the Credit Policies and the Bank’s Risk Management Framework.
* Work closely with Credit underwriting and other internal and external stakeholders to ensure Asset targets are achieved.
* Maintain relationships with key introducer networks to maximise sales opportunities.
* As per business requirements, cross-sell the Bank’s other products.
Qualifications & Experience
* Educated to degree standard in finance and business (or similar subject) or equivalent experience.
Knowledge & Skills
* Excellent oral and written communication, facilitation skills and ability to present confidently and to work effectively with staff and management at all levels.
* Assertiveness and the knowledge, strength and ability to discuss, explain and support a decision, or other role specific matters of a technical nature, to a range of audiences of varying seniority.
* Strategic thinker with the ability to diagnose and resolve issues and manage work from inception to completion, prioritising work effectively.
* Experience working in a regulated environment and knowledge of the regulatory framework.
* Familiarity with UK real estate finance industry and with regulations applicable to real estate finance.
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