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- Tasks: Manage property financing solutions and support SME housebuilders with expert advice.
- Company: Join a passionate team in Development Finance, focused on long-term relationships in the property market.
- Benefits: Enjoy opportunities for professional growth, strong teamwork, and a dynamic work environment.
- Why this job: Be part of a team that values creativity and expertise while making a real impact in property development.
- Qualifications: Experience in property lending and strong analytical skills are essential; communication skills are a must.
- Other info: Opportunity to work with industry experts and develop valuable relationships in the property sector.
The predicted salary is between 43200 - 72000 £ per year.
ABOUT THE DEPARTMENT
Our Development Finance division offers creative and customised financing solutions to experienced property professionals across the UK. The team is highly experienced, has a passion for property and understands the market in all its intricacies. We are focused on building long-term business relationships. We believe that SME housebuilders need to work with a bank that employs experts with specialist knowledge of specific locations and markets. We work in partnership with SME housebuilders, lending our expertise as well as finance.
ACCOUNTABILITIES and KEY RESULT AREAS
- Ensuring strong credit stewardship is maintained including monitoring loan expiries, interest tranche depletion, construction milestones, sale milestones etc.
- Liaising with and supporting the LD’s, RM’s and CM’s to ensure timely identification of potentially problematic loans.
- Recommending appropriate loan restructurings where appropriate and preparing amendment credit papers and credit memos for EML cases in conjunction with the LD / RM.
- Site inspections to assess progress of development projects in terms of budget, schedule, quality, significant changes and sales/marketing progress.
- Liaising with Quantity Surveyors, other professionals, borrowers and construction teams as appropriate.
- Monthly Time Delays & Cost Overrun analysis to identify common issues at early stage.
- Cash flow analysis against original credit approved cashflow to identify material variances at a book level.
- Smooth implementation of processes and procedures for new credit policies.
- Monitoring of Unit sales including early identification of slow sales pace and/or undervalue sales.
- Keeping accurate records, maintaining portfolio monitoring systems and preparing regular portfolio reports/reviews for presentation to Committee.
- Input into periodic departmental portfolio overview and the annual Credit Risk review of the DF portfolio.
- To approve advance payments / Materials on Site etc in accordance with delegated authorities.
- Input into the development of Keystone and the reporting from the system (including if appropriate Tableau development).
- Work with LDs to develop individual retention plans supporting repeat and new business.
STAKEHOLDERS AND WORKING RELATIONSHIPS
Primary Internal Stakeholders & Relationships:
- MD, Development Finance
- DF Lending Directors
- DF Relationship Managers
- Credit/Risk Team
- 2nd line of defence Risk & Compliance Team
Key External Stakeholders:
- Customers/Borrowers
- Monitoring Surveyors
- Valuers, Lawyers & other external professionals
PROFESSIONAL EXPERIENCE AND ATTRIBUTES
Qualifications and experience
- Good level of experience in property lending/development finance within a banking or professional property services environment.
- Proven track record of developing strong relationships with borrowers, brokers and other professional partners.
Competencies and Attributes
- Strong analytical skills.
- Understanding of residential property development finance.
- A general understanding of building construction (preferable but not essential).
- Strong understanding and appreciation of the current UK property market conditions and trends.
- Strong attention to detail.
- Ability to travel nationally.
- High level of communication skills.
It would be beneficial if you had the following:
- Experience with the following banking tools: Phoebus, Keystone and Tableau.
RISK MANAGEMENT RESPONSIBILITIES
To deliver good customer outcomes and demonstrate behaviours that will positively impact customers. Proactively champion fair customer outcomes for all customers. To understand the Bank’s Risk Management Framework, and comply with the frameworks, policies and operating procedures which support it as they apply to your role and the work you carry out. Identify and escalate risks in an appropriate and timely manner.
Lines of defence
- 1st line: Functions that manage their own risk.
- 2nd line: Risk & Compliance.
- 3rd line: Internal Audit.
Portfolio Manager - eFinancialCareers employer: eFinancialCareers
Contact Detail:
eFinancialCareers Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Portfolio Manager - eFinancialCareers
✨Tip Number 1
Familiarise yourself with the current UK property market conditions and trends. This knowledge will not only help you in interviews but also demonstrate your genuine interest in the role and the industry.
✨Tip Number 2
Network with professionals in the property lending and development finance sectors. Attend industry events or join relevant online forums to connect with potential colleagues and learn more about the challenges they face.
✨Tip Number 3
Gain a basic understanding of the banking tools mentioned in the job description, such as Phoebus, Keystone, and Tableau. Familiarity with these systems can set you apart from other candidates and show your readiness to hit the ground running.
✨Tip Number 4
Prepare to discuss your experience in managing relationships with borrowers and other stakeholders. Be ready to share specific examples of how you've successfully navigated challenges in previous roles, as this will highlight your suitability for the position.
We think you need these skills to ace Portfolio Manager - eFinancialCareers
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in property lending and development finance. Emphasise your track record of building strong relationships with borrowers and brokers, as this is crucial for the role.
Craft a Compelling Cover Letter: In your cover letter, express your passion for property finance and your understanding of the UK property market. Mention specific examples of how you've successfully managed loans or projects in the past.
Highlight Analytical Skills: Given the importance of analytical skills in this role, provide examples in your application that demonstrate your ability to conduct cash flow analysis and identify variances. This will show your potential employer that you can handle the responsibilities outlined in the job description.
Showcase Communication Skills: Since high-level communication skills are essential, include instances where you've effectively liaised with various stakeholders, such as Quantity Surveyors or external professionals. This will illustrate your capability to manage relationships and communicate effectively within the role.
How to prepare for a job interview at eFinancialCareers
✨Showcase Your Analytical Skills
As a Portfolio Manager, strong analytical skills are crucial. Be prepared to discuss specific examples where you've successfully analysed financial data or property market trends, and how your insights led to positive outcomes.
✨Demonstrate Relationship-Building Experience
This role requires developing strong relationships with borrowers and other stakeholders. Share stories that highlight your ability to build and maintain professional relationships, especially in challenging situations.
✨Understand the Current Property Market
Stay updated on the latest trends and conditions in the UK property market. During the interview, reference recent developments and how they might impact lending decisions, showcasing your industry knowledge.
✨Prepare for Technical Questions
Expect questions related to property lending and development finance. Brush up on relevant banking tools like Phoebus, Keystone, and Tableau, and be ready to explain how you've used them in past roles.
