Relationship Manager - Commercial Real Estate in Milton Keynes

We are hiring for a Business Development Manager for an International Bank based in Milton Keynes covering the midland area.

Job Purpose: Originating, writing and managing Loan Against Property / Commercial Real Estate lending business for the International Bank in the UK.

Key Responsibilities:

• LAP business development and customer acquisition.
• Identifying opportunities for cross-sale of the bank's other products & services.
• Complying with audit & other parameters under the internal/external policy and regulatory framework.
• Portfolio Management and ensuring 360-degree coverage of the borrower.

Core Responsibility: Meet the requirements of your position mandate, demonstrate commitment to the Bank's corporate values and best practice ethics, and contribute as an effective team member.

Area of Responsibility:

• Origination of transactions (Direct, Branch Referral, Business Banking Referral, Private Banking Referral, Website leads and also through the broker channel).
• Writing credit applications, coordinating with risk for credit proposals and presenting to risk and executive committee.
• Managing post-approval requirements to drawdown of the facility.
• Using effective marketing and sales promotional tools for raising the Bank's profile in the target segment.
• Active participation in events organized by the Bank, broker channels, solicitors, and empanelled valuation agencies.
• Regular monitoring of loan accounts, complying with requisite reporting and actionable norms/requirements.
• Timely flagging & communicating deviations, collections, recovery & follow-up with clients for periodical compliance and reporting requirements.
• Understanding & complying with conduct risk requirements to meet the Group's conduct risk policies and expectations of regulators.
• Exhibiting high levels of customer service & sound understanding of retail & business transactions.
• Reviewing valuation reports and preparing valuation summaries for approval from Risk Management Group.
• Liaising with borrowers, solicitors, CMOG, COPS (disbursement) teams to ensure smooth disbursement of loan proposals.
• Coordinating with borrowers for timely submission of post-disbursement covenant reports.
• Successfully interacting with internal stakeholders across different departments, brokers and vendors.
• Identifying new activities due to changes in processes and products.
• Any other activity to facilitate smooth operation of the branch.
• Undertaking projects and assignments from time to time as directed.

Key Skills and Knowledge Requirement:

• Ability to network with potential clients for LAP / CRE and build relationships with existing customers of the Bank.
• Good network of high-quality CRE brokers.
• Sound knowledge and competency in Commercial property/asset-backed loans in the UK.
• Knowledge of property valuation, quality and marketability of properties in the UK; understanding of legal due diligence & documentation.
• Working knowledge of the regulations driving the property or asset-backed loans and/or mortgage market in the UK.
• Credit note writing and credit assessment skills.
• Banking and lending experience.
• Ability to contribute towards product development and refining lending policies to suit market requirements.
• Strong negotiation and presentation skills; ability to communicate with all levels in the organisation.
• Self-motivated and self-driven.