Senior Portfolio Analyst

Onate is a fast-growing specialist real estate lender headquartered in Dublin and operating across Ireland and Spain, with London-based funding partners. We provide real estate finance to property developers and investors, with typical use cases including refurbishment, developer exit loans and “fix-and-flip” opportunities. Our lending spans residential, mixed-use and commercial property.

The Opportunity

Onate is seeking a Senior Portfolio Analyst to support monitoring, analysis and reporting across its growing loan book. The successful candidate will work closely with the Investor Relations Director to play an important role in portfolio analytics, institutional funding partner reporting, portfolio performance monitoring and the continued development of the company’s reporting and operational infrastructure.

This role offers broad exposure to the full lifecycle of a specialist real estate lending business, working across portfolio management, funding, operations and technology. The successful candidate will collaborate with teams spanning underwriting, servicing, finance and business operations, helping to ensure the business continues to scale effectively.

As a growing business we are looking for someone who enjoys understanding how processes work, identifying opportunities for improvement and helping shape how a growing company operates. The successful candidate will be analytical, pragmatic and curious. They will enjoy solving problems, working with data and taking ownership of important workstreams. Equally importantly, they will be comfortable operating in an environment where responsibilities evolve, new opportunities emerge and good ideas are welcomed regardless of where they come from.

As the business continues to grow, successful employees are given opportunities to broaden their responsibilities and make a meaningful contribution to the organisation. Depending on experience and track record, we expect to appoint at Analyst or Senior Analyst level. This role forms part of a growing UK-based portfolio monitoring and reporting function. The successful candidate will work closely with the UK team on a day-to-day basis and be fully integrated into Onate's wider business, based across Ireland and Spain.

At Onate, collaboration is central to how we operate. Despite being geographically distributed, teams work closely together through regular communication, shared projects and company-wide initiatives. We bring teams together multiple times each year, ensuring strong relationships are built across the organisation.

One of the advantages of working at Onate is the opportunity to contribute across a broad range of activities and work directly with experienced colleagues from different disciplines. We believe talented people are capable of far more than a narrow job description, and we encourage individuals to contribute wherever they can add value.

At Onate, we believe high performance comes from working smart, not simply working long hours. We foster a culture of efficiency and accountability, pushing hard when it matters, but avoiding unnecessary late nights or weekends. Team spirit is central to who we are. We enjoy working together through the highs and lows, celebrate successes within teams and as a wider group, and support one another when challenges arise. With rapid growth driven by the initiative and commitment of our people, there is a high-energy atmosphere across every part of the business.

The role will be based predominantly at our new UK office space in St Albans and will involve significant in-person collaboration as the monitoring and reporting function develops. Working arrangements can evolve alongside the needs of the team and the successful candidate, and are likely to involve a blend of set office days with optional remote working at other times.

Candidate Profile

• A minimum of 2 years experience in an analytical role within real estate finance, specialist lending, financial analysis, portfolio management, risk analysis, structured credit, banking, or another relevant analytical environment.
• Excellent Microsoft Excel skills and confidence in working with large datasets. An analytical test conducted in Microsoft Excel will form part of the application process alongside an in-person interview.
• Strong written and verbal communication skills.
• Strong attention to detail and commitment to producing accurate work.
• Comfortable managing multiple priorities and working to deadlines.
• Collaborative, takes ownership and follows through without being chased.
• Comfortable operating in a growing business where processes and responsibilities continue to evolve.
• Willing to embrace and utilise new technologies to aid efficiency, including AI.
• Unwavering commitment to transparency, integrity and effective communication with team members.
• Able to solve problems with an entrepreneurial mindset, we have no place for a ‘computer says no’ approach.
• Applicants must already have the right to work in the United Kingdom and be willing to work predominantly from Onate's office in St Albans, Hertfordshire. Visa sponsorship is not available for this role.
• Open to occasional European travel for business and team-building events.
• Experience in producing management information, portfolio reporting or performance analysis, ideally within the credit or real estate industry.
• Experience within real estate lending, specialist lending, banking or financial services.
• Experience with business intelligence tools, reporting systems or loan management platforms.
• Experience in working with Microsoft PowerPoint, Google Drive, Google Sheets and Google Docs.

Key Responsibilities

• Preparation of portfolio reporting for management, institutional funding partners, investors and regulatory repositories.
• Monitoring portfolio performance, including arrears, defaults, maturity and other key lending metrics.
• Maintenance and development of live monitoring and dashboards, tracking portfolio credit facility covenant and concentration limit compliance.
• Producing management information and analytical reports upon request from existing and prospective funding partners.
• Supporting underwriting, finance and lending teams through portfolio analysis and building automated notifications.
• Investigating data anomalies and ensuring the accuracy and integrity of reporting outputs.
• Supporting the development and enhancement of portfolio monitoring processes and controls.
• Assisting with the evaluation, implementation and ongoing development of loan management and reporting systems.
• Supporting operational projects and process improvement initiatives across the business.