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Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.
Real Estate Portfolio Manager
Role Overview
The Real Estate Portfolio Manager will manage and take full responsibility for a portfolio of loans across various real estate sectors within the UK, ensuring overall accountability for credit quality. This role involves underwriting and executing new business with both new and existing clients.
Key Responsibilities
Client Engagement
Relationship Development:
Develop and expand relevant client relationships through repeat business, including refinancing, development, and investment lending. New Client Originations:
Support the Team Leader and Originators by managing new client originations.
Business Development Target Achievement:
Consistently achieve target levels of new business with both new and existing clients, as agreed with the Team Leader.
Deal Analysis Detailed Analysis:
Conduct thorough analysis of new deals, including scrutinizing client quality, performing financial analysis, reviewing cash flow models, and conducting property due diligence.
Opportunity Structuring Structuring New Opportunities:
Propose relevant pricing, leverage, covenants, and underlying security for new lending opportunities.
Negotiation Lead Negotiations:
Manage negotiations between borrowers and the bank from the indicative term sheet stage to the execution of the relevant transaction.
Credit Application Review Credit Applications:
Review and/or prepare credit applications and present transactions to the Real Estate Deal Forum and the Bank's Credit Committees for approval.
Post-Credit Due Diligence Oversight of Due Diligence:
Oversee the post-credit due diligence process with the assistance of portfolio managers and analysts, including the review of legal documentation, valuation reports, and quantity surveyor reports.
Ongoing Deal Management Compliance Monitoring:
Collaborate with portfolio managers and analysts to ensure compliance with all conditions and covenants throughout the loan term, including timely annual reviews and management of contractual expiries.
Cross-Business Collaboration Facilitate Introductions:
Work collaboratively across the bank to facilitate cross-business introductions and referrals.
Team Management Analyst Management:
Manage analysts within the team, providing coaching, career progression support, and upskilling opportunities for junior team members.
Operational Excellence Ensure Excellence:
Strive for operational and relationship excellence, both internally and with clients.
Core Skills and Knowledge
Real Estate Debt Experience:
Proven track record of managing real estate debt within the UK market, with necessary experience in development lending. Market Knowledge:
In-depth knowledge of the property lending market across various asset sectors. Client Identification:
Ability to identify target clients in line with the Real Estate team's strategy and the bank's risk appetite. Negotiation Skills:
Strong negotiating skills with experience working with family offices and ultra-high-net-worth property clients. Relationship Management:
Excellent networking and relationship management skills, capable of multitasking and managing demanding clients under tight deadlines. Industry Connections:
Established relationships with sponsors and third-party advisors within the UK real estate market. Transaction Structuring:
Extensive understanding and experience in structuring real estate lending transactions and associated documentation. Financial Analysis:
Ability to review and analyze business plans, evaluating covenant strength and cash flow. Presentation Skills:
Strong presentation capabilities for both internal and external stakeholders, including credit committee presentations. Attention to Detail:
High level of attention to detail and proactive attitude towards delivering a high-quality client experience. Regulatory Knowledge:
Understanding of relevant compliance considerations and the regulatory environment. Additional Attributes (Helpful but Not Essential)
Professional Qualifications:
ACA (or equivalent), CFA (fully qualified), or RICS qualifications are beneficial but not necessary. As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote. Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work. Here is a selection of what we offer; Wellbeing Wellbeing Subsidy Corporate Gym Membership Virtual GP Peppy Health App (Fertility, Menopause and Early Parenthood) Optional Private Medical & Dental Insurance Monetary Non-contributory Pension Discretionary Bonus Life & Income Protection Life Assurance Critical Illness Income Protection Travel Season Ticket Loan Electric Vehicle Scheme Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. Research shows
that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same - if the role excites you, please don't let our person specification hold you back. Get in touch!
#J-18808-Ljbffr
Develop and expand relevant client relationships through repeat business, including refinancing, development, and investment lending. New Client Originations:
Support the Team Leader and Originators by managing new client originations.
Business Development Target Achievement:
Consistently achieve target levels of new business with both new and existing clients, as agreed with the Team Leader.
Deal Analysis Detailed Analysis:
Conduct thorough analysis of new deals, including scrutinizing client quality, performing financial analysis, reviewing cash flow models, and conducting property due diligence.
Opportunity Structuring Structuring New Opportunities:
Propose relevant pricing, leverage, covenants, and underlying security for new lending opportunities.
Negotiation Lead Negotiations:
Manage negotiations between borrowers and the bank from the indicative term sheet stage to the execution of the relevant transaction.
Credit Application Review Credit Applications:
Review and/or prepare credit applications and present transactions to the Real Estate Deal Forum and the Bank's Credit Committees for approval.
Post-Credit Due Diligence Oversight of Due Diligence:
Oversee the post-credit due diligence process with the assistance of portfolio managers and analysts, including the review of legal documentation, valuation reports, and quantity surveyor reports.
Ongoing Deal Management Compliance Monitoring:
Collaborate with portfolio managers and analysts to ensure compliance with all conditions and covenants throughout the loan term, including timely annual reviews and management of contractual expiries.
Cross-Business Collaboration Facilitate Introductions:
Work collaboratively across the bank to facilitate cross-business introductions and referrals.
Team Management Analyst Management:
Manage analysts within the team, providing coaching, career progression support, and upskilling opportunities for junior team members.
Operational Excellence Ensure Excellence:
Strive for operational and relationship excellence, both internally and with clients.
Core Skills and Knowledge
Real Estate Debt Experience:
Proven track record of managing real estate debt within the UK market, with necessary experience in development lending. Market Knowledge:
In-depth knowledge of the property lending market across various asset sectors. Client Identification:
Ability to identify target clients in line with the Real Estate team's strategy and the bank's risk appetite. Negotiation Skills:
Strong negotiating skills with experience working with family offices and ultra-high-net-worth property clients. Relationship Management:
Excellent networking and relationship management skills, capable of multitasking and managing demanding clients under tight deadlines. Industry Connections:
Established relationships with sponsors and third-party advisors within the UK real estate market. Transaction Structuring:
Extensive understanding and experience in structuring real estate lending transactions and associated documentation. Financial Analysis:
Ability to review and analyze business plans, evaluating covenant strength and cash flow. Presentation Skills:
Strong presentation capabilities for both internal and external stakeholders, including credit committee presentations. Attention to Detail:
High level of attention to detail and proactive attitude towards delivering a high-quality client experience. Regulatory Knowledge:
Understanding of relevant compliance considerations and the regulatory environment. Additional Attributes (Helpful but Not Essential)
Professional Qualifications:
ACA (or equivalent), CFA (fully qualified), or RICS qualifications are beneficial but not necessary. As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote. Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work. Here is a selection of what we offer; Wellbeing Wellbeing Subsidy Corporate Gym Membership Virtual GP Peppy Health App (Fertility, Menopause and Early Parenthood) Optional Private Medical & Dental Insurance Monetary Non-contributory Pension Discretionary Bonus Life & Income Protection Life Assurance Critical Illness Income Protection Travel Season Ticket Loan Electric Vehicle Scheme Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. Research shows
that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same - if the role excites you, please don't let our person specification hold you back. Get in touch!
#J-18808-Ljbffr
