Head of Real Estate Portfolio Management

The Head of Real Estate Portfolio Management will manage the Real Estate Portfolio Management team and support the forward look Commercial strategy aimed at continued success in our chosen markets managing risk and supporting clients through their full life cycle.

The Real Estate Portfolio Management team operates as a specialised unit responsible for managing credit risk in real estate finance transactions and handling various in-life activities for our portfolio. This team plays a crucial role in maintaining portfolio health and ensuring exceptional client service.

The Portfolio Management team have responsibility for:-

• Individual transaction Monitoring working with 3rd party & in-house monitoring surveyors
• EWI Monitoring
• Covenant Monitoring
• Annual Reviews
• Support the provision of addition debt facilities to support existing customers
• Managing post execution in-life activities
• Focus on customer retention & delivering a great customer experience
• Providing support to new business teams to deliver a premium service

The team maintains responsibility for all performing cases while working closely with the Non-Performing Loan (NPL) team on under-performing and non-performing cases.

Key Responsibilities

• Develop and maintain excellent customer relationships with new and repeat borrowers
• In conjunction with Business Support
  • Active Portfolio Monitoring for trends concentrations sub-sector variances etc
  • Market Analysis & Portfolio Reviews plus Horizon Scanning
  • Consider market macroeconomic and regulatory impacts on the portfolio and take necessary actions where appropriate including updating relevant Risk Committees on early warning signs
  • Input into Asset Class & Lending Policies
• Ensuring Lessons Learned are embedded across the team inclusive of watchlist cases
• Supporting key strategic priorities & projects
• Manage credit legal and compliance risks through effective team infrastructure and controls
• Ensuring the team has the requisite capacity & capabilities to successfully manage the portfolio
• Support guidance & coaching to individual team members
• Regular performance feedback and performance management
• Ensure the completion (within appropriate timescales) of ongoing credit stewardship activity to a high standard including but not limited to annual reviews MI / covenant monitoring EWI reporting / escalation Watch actions / reporting and KYC / AML
• Develop and maintain excellent working relationships across the wider organisation

Qualifications :

• Significant industry knowledge in the Real Estate Finance market including a deep understanding of lending practices in that sector structures risks covenant requirements pricing and competition.
• Demonstrable ability to undertake commercial analysis of a business both in terms of financial and non-financial aspects.
• Excellent customer service presentation and negotiation skills
• Experience in executive level reporting on strategic initiatives.
• Thorough comprehension of credit risk management credit administration loan production and servicing.
• Proven credit risk management skills including turnaround ability within either banking or finance industry
• Compliance with all regulatory requirements remaining in good standing with regulatory agencies.
• Strong commercial financial acumen and capability in strategic thinking executive level reporting and effective business planning
• Strong customer/intermediary and market insight

Additional Information :

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns mental wellbeing and more general queries around family work housing and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - Its important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when youre enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - Were focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done

Remote Work :

No

Employment Type :

Full-time