Senior Real Estate Portfolio Manager
Senior Real Estate Portfolio Manager
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Job Description
The Real Estate Portfolio Management team is responsible for actively managing the ongoing credit risk across the circa 6bn Real Estate portfolio. This includes buy to let bridging and commercial investment. This segregated team owns the credit and in life client relationship distinct from Relationship Management which will continue to focus on sales activities.
Key Responsibilities
- To contribute in managing the Real Estate (RE) portfolio for Shawbrook
- To operate to high standards of risk management across Real Estate Portfolio Management including Credit Operational and Conduct Risk
- Responsible for management of existing clients portfolio monitoring risk reporting risk management and providing support on new initiatives across the Team.
- Responsible for maintaining and adhering to the Bank policies and procedures at all times and providing support in working with internal and external functions.
- EWI Monitoring
- Customer MI Monitoring
- Covenant Monitoring
- All Annual Reviews including customer / broker engagement / site visits when required coordinating with BDM & RM teams
- Annual reviews to include 12 month look forward Umbrella Limits
- Active Portfolio Monitoring for trends concentrations regional variances etc.
- Market Analysis & Sub-Sector Reviews plus Horizon Scanning and regulatory impacts on the portfolio taking necessary actions where appropriate including updating relevant Risk Committees on early warning signs.
- Focus on managing/overviewing portfolio performance and exposure against policy limits
- To communicate and escalate potential issues/risks in a prompt and effective manner.
- To provide support in managing and building out the overall risk management framework across PM
- PM will have responsibility for all performing cases working with the NPL team for under-preforming and non-performing cases
Qualifications :
- Circa 5 years experience in bank lending or similar with a focus on residential and commercial real estate
- Significant client relationship experience within real estate
- Experience in structuring and executing transactions and risk management.
- Strong analytical skills including advanced knowledge of Excel.
- Strong understanding and analysis of management information and financial accounts.
- Good knowledge of real estate lending structures including familiarity with legal documentation.
- Good understanding of lending practices including structures risks and covenant requirements.
- Excellent customer service (leading customer meetings) presentation and negotiation skills.
- Thorough comprehension of credit risk management and credit administration.
- Compliance with all regulatory requirements.
- Good commercial financial acumen and capability in strategic thinking executive level reporting and effective business planning
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
Employment Type
Full-time
