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- Tasks: Manage and optimise a diverse loan portfolio while assessing risks and ensuring compliance.
- Company: Dynamic financial institution focused on real estate finance.
- Benefits: Competitive salary, professional development, and a collaborative work environment.
- Why this job: Join a team where your skills can directly impact financial success and risk management.
- Qualifications: Degree holder with 3+ years in investment or commercial banking and strong negotiation skills.
- Other info: Fast-paced role with opportunities for career advancement and stakeholder engagement.
The predicted salary is between 36000 - 60000 £ per year.
To oversee and optimise the performance of the loan portfolio across the business, assessing the health of the portfolio and ensuring adherence with internal and regulatory standards. Analyse the risks of the portfolio ensuring they align with the company’s risk appetite, investment strategy, and performance targets. Implement strategies to mitigate potential risks associated with borrower defaults. Show strong commercial acumen and operational discipline in implementing and monitoring the function, with the focus of optimizing performance while managing risks within the lending business.
Primary responsibilities:
- Responsible for the day-to-day management of a portfolio of Real Estate Finance loans.
- Assist the team in non-performing loans with work out/restructuring options and implementation as required.
- Ensure loan documentation requirements are adhered to such as processing of payments, preparing recommendation papers and monitoring portfolio performance, including covenant monitoring.
- Work alongside data team to implement bespoke portfolio management interfaces to track and identify key risks within the business and portfolio.
- Form part of the team responsible for negotiating loan amendments including but not limited to enforcement, loan restructures, defaults, alongside lender and borrower negotiation.
- Collaborate with operations team on accounting, reporting and compliance matters to ensure good portfolio management practice.
- Assist in the boarding on new transactions, including reviewed credit committee papers, proposing amends to facility documentation and advising on risks and mitigants.
- Effectively manage external stakeholders including borrowers, lawyers, surveyors and valuers as required.
What you will bring:
- University degree.
- Minimum 3 years with an investment, commercial or challenger bank in a similar management role.
- Excellent credit report writing skills and an understanding of risk analysis.
- Ability to handle complex negotiations and work under pressure managing multiple transactions and tasks at one time.
- Attention to detail to accurately identify potential credit risk factors.
- Understanding of the key terms in real estate finance transactions.
- Competence with Microsoft Office, including Word, Excel and PowerPoint.
Portfolio Manager employer: Shojin
Contact Detail:
Shojin Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Portfolio Manager
✨Tip Number 1
Network like a pro! Reach out to industry contacts, attend events, and join relevant online groups. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its portfolio management strategies. Be ready to discuss how your experience aligns with their needs, especially around risk assessment and loan performance.
✨Tip Number 3
Showcase your skills through real-life examples. When discussing your past roles, highlight specific instances where you optimised portfolio performance or successfully managed borrower negotiations.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Portfolio Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Portfolio Manager role. Highlight your experience in managing loan portfolios and any relevant achievements that showcase your commercial acumen and risk management skills.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for the role. Mention specific experiences that align with the job description, especially around negotiating loan amendments and managing external stakeholders.
Showcase Your Analytical Skills: Since the role involves assessing portfolio health and analysing risks, be sure to include examples of how you've successfully used data analysis in previous roles. This will demonstrate your ability to implement strategies that mitigate risks.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Shojin
✨Know Your Portfolio Inside Out
Before the interview, make sure you thoroughly understand the loan portfolio you'll be managing. Familiarise yourself with the types of loans, their performance metrics, and any recent changes in regulations that could impact them. This will show your potential employer that you're proactive and knowledgeable.
✨Demonstrate Risk Management Skills
Be prepared to discuss specific strategies you've implemented in the past to mitigate risks associated with borrower defaults. Use real examples to illustrate your thought process and how you align risk management with the company's investment strategy. This will highlight your commercial acumen.
✨Showcase Your Negotiation Experience
Since negotiating loan amendments is a key part of the role, come ready with examples of complex negotiations you've handled. Talk about the challenges you faced and how you navigated them. This will demonstrate your ability to manage external stakeholders effectively.
✨Highlight Your Attention to Detail
In this role, attention to detail is crucial. Be ready to discuss how you've ensured compliance with loan documentation requirements in your previous roles. Mention any tools or processes you used to monitor portfolio performance and identify risks, showcasing your operational discipline.
