Commercial Real Estate - Relationship Manager

Job Purpose

To originate structure execute and manage new and existing commercial real estate transactions as well as support Senior Relationship Managers in complex transactions to support the successful delivery of business opportunities in line with budget risk appetite risk return measures policies procedures regulations and strategy. The Banks real estate business involves complex and high value transactions (15m 100m) covering all sectors of the real estate market working directly with UK and international real estate companies.

The role involves both the underwriting of new transactions and the distribution of assets as well as the management of relationships at a senior level. The job holder will be required to build and maintain relationships with corporate CEOs CFOs and other senior executives at large UKbased and international real estate developers and investment funds as well as predominantly MENAbased UHNWIs and family offices and they will have their own network of both clients and real estate professionals (lawyers project monitors valuers etc.) to call upon as required.

Responsibilities Accountabilities & Deliverables

• Originate structure and develop new business in line with allocated revenue objectives with a focus on large corporate commercial real estate transactions between 15mm and 100mm and where necessary support Senior Relationship Managers in progressing complex transactions particularly those in excess of 50mm where Group thresholds require loan distribution and/or syndication.
• Manage new facilities from origination to closing liaising with all parties including external professional advisers lawyers intermediaries banks valuers and working through internal processes including inhouse legal risk management dept. loans administration and transaction management control providing relevant internal advice to ensure understanding between external and internal stakeholders.
• Originate develop and maintain close and active relationships with external stakeholders including prospective and existing clients (and their advisors and agents) counterparts banks lawyers consultants regulatory bodies and other agencies to grow and diversify Wholesale bankings client base with prompt interventions to limit risk deterioration and restructuring of debt where necessary to achieve this.
• Originate and execute crossselling and crossnetwork business opportunities providing support and developing relationships with coverage and product specialists to deepen relationships across all products and deliver more cross border business.
• Develop and implement active portfolio management establishing more profitable relationships with Real Estate clients in order to optimize portfolio performance in line with all policies procedures standards processes and regulations.
• Develop and maintain Real Estate products including the required platform and any necessary documentation to provide leading edge products that meet the needs of customers and comply with regulatory requirements.
• Prepare credit applications and review existing facilities to identify any special situations requiring additional review analyze and spread corporate accounts including financial institutions.
  
• Take responsibility for overseeing the administration of booked transactions including credit reviews ongoing analysis of market conditions periodic compliance reviews and general account and facility operation.
• Work liaise and manage relationships with cofunding banks on very high value syndicated and club transactions including negotiating terms and legal documentation.
• Familiarity with regulatory compliance matters money laundering and know your customer procedures.
• Raise the intra Group visibility and positive perception of the Department by assisting other areas of the ABC Group to understand asset risk / dynamics through professional presentations and/or expert witness reviews of special cases.
• Contribute to the performance of Real Estate business providing support and assistance on Group projects where required and working collaboratively with colleagues across Bank ABC to deliver profitable business in the most efficient effective consistent and compliant way.
• Detailed assessment of downside scenarios to correctly measure risk of loss and ensure minimum provisioning is taken on portfolio and profitability maximized and security protected through the sale of underlying assets.

Knowledge

• Detailed and uptodate understanding of the UK Commercial Real Estate Market
• Thorough understanding of development finance and the risks associated with largescale construction projects.
• General understanding of Banking Practice and processes
• Detailed knowledge of real estate debt products
• Advanced financial analysis skills
• Extensive understanding of risk management and mitigation techniques
• Understanding of legal structures used for real estate investments

Attributes

• Ability to work effectively in a high pressure environment and under tight deadlines
• Team player
• Ability to originate maintain and build client relationships
• Strong analytical and problem solving skills
• Ability to think creatively and innovatively with a solutionsfocused approach to client requirements.
• Demonstrate a positive attitude

Equal Employment Opportunity

Bank ABC is committed to the principles of equal employment opportunity for all employees and applicants and in accordance with applicable laws does not discriminate on the basis of sex gender identity gender expression race color religion national origin ancestry age marital status disability medical condition sexual orientation or on any other basis prohibited by law.