Key Responsibilities
- Originate property debt finance transactions, including Buy-to-Let, residential and commercial property development finance, through an established network.
- Develop and execute strategies to grow the bank’s property lending portfolio and deposit base.
- Build relationships with property brokers, institutional funders, investors and portfolio landlords to generate new business.
- Identify opportunities for property portfolio acquisitions and develop institutional funding partnerships.
- Establish and manage broker channels to drive property finance origination.
- Maintain a strong pipeline of lending and deposit opportunities, converting leads into business.
- Analyse property performance, investment proposals, business plans and financial models to assess funding viability and risks.
- Conduct financial, valuation and property due diligence, including cash flow and exit assessments.
- Prepare credit applications, deal proposals and term sheets, and manage the credit approval process.
- Liaise with Credit Risk, Credit Committees and internal stakeholders to secure approvals and address queries.
- Support transaction execution, facility structuring, documentation and disbursement.
- Ensure compliance with KYC, regulatory and internal banking requirements.
- Assist with the ongoing asset management of existing real estate finance facilities.
- Provide market insights on UK commercial property investment and development.
- Support the MD & CEO with ad hoc projects and other responsibilities as required.
Skills & Experience
- Minimum 5 years’ experience in real estate finance, property lending or debt origination.
- Established network of institutional funders, property brokers and real estate portfolio landlords.
- Proven track record of originating property finance transactions and growing loan portfolios and deposit bases.
- Strong understanding of UK residential and commercial property markets and financing structures.
- Excellent financial modelling, Excel and credit analysis skills.
- Experience in property valuation, financial due diligence and credit applications.
- Strong commercial acumen, negotiation and relationship management skills.
- Excellent communication skills and ability to work effectively within a team.
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