Portfolio Manager in Sevenoaks

City & Capital are currently representing a growing and entrepreneurial specialist property finance lender who have retained our services to appoint a proactive and detail-oriented Portfolio Manager, at an exciting stage of growth for the business.

The Company

Our client is a privately funded and highly agile property lender specialising in development finance across the UK. Since launching in 2018, they have established a strong reputation within the specialist lending market for their flexible, common-sense approach to underwriting and their ability to deliver funding solutions at speed. The business is led by experienced property finance professionals and benefits from a streamlined structure, enabling efficient decision making and a highly collaborative working environment. They work closely with property investors and developers across a range of transactions, including refurbishment projects, ground up developments, and time sensitive acquisitions. With ambitions to significantly grow their loan book and expand their presence in the market, they are investing in their team and infrastructure, creating an excellent opportunity for an individual looking to gain broad, hands-on exposure within a scaling lender.

Role Overview

This is a broad and hands on Portfolio Manager role, offering exposure across the full lifecycle of property lending. You will support deal origination, underwriting, execution, and ongoing loan management, working closely with senior stakeholders and external partners to deliver successful lending outcomes. You will be responsible for identifying and assessing new lending opportunities through a variety of channels, including planning portals, online research, and industry networks. From there, you will support development appraisals, undertake detailed credit analysis, and assist in structuring lending proposals for approval. Once terms are agreed, you will play a key role in progressing transactions through to completion, coordinating with solicitors, valuers, brokers, and monitoring surveyors to ensure deals are executed efficiently. Post completion, you will take ownership of managing active loans, monitoring financial performance, build progress, and key risk indicators. This will include maintaining detailed loan trackers, reviewing monitoring reports, and conducting site visits where required. Alongside this, you will support internal reporting, including KPI tracking and forecasting, as well as market and competitor analysis to help inform lending strategy. Importantly, this role offers genuine scope for progression, with the opportunity to take on increased responsibility over time, including greater involvement in business generation and borrower relationship management.

Candidate Requirements

• Experience within the property finance / real estate lending space – ideally within bridging / development
• Strong analytical and numerical skills, with the ability to interpret financial and development data
• Highly organised, with excellent attention to detail and the ability to manage multiple projects simultaneously
• A proactive and driven approach, with the ability to work in a fast-paced, entrepreneurial environment
• Confident communication skills, with the ability to build relationships with borrowers, brokers, and professional advisers
• Willingness to take ownership, attend site visits, and push transactions through to completion
• Basic Excel proficiency and a strong willingness to learn and develop

On Offer

Our client is offering a basic salary of circa £35k-£40k, dependent on experience. This is complemented by a highly supportive and collaborative working environment, with access to both internal and external training, including sponsorship for professional qualifications. You will benefit from hands-on, end-to-end exposure across property finance, making this an excellent opportunity for someone looking to build a long-term career within a growing specialist lender. As the business continues to scale, there will be clear opportunities for progression and increased responsibility for high-performing individuals.

Next Steps

There is a reasonable amount of urgency to fill this position in line with objectives. Due to the nature of the role & opportunity, you do not expect it to be on the market for long! If this role does sound like one that you are both qualified for and interested in, then we look forward to your application as soon as possible. Once we have reviewed your application, we will be in touch with an update. We look forward to hearing from you.