Head of Real Estate Portfolio Management | London, UK

Head of Real Estate Portfolio Management

Head of Real Estate Portfolio Management

Head of Real Estate Portfolio ManagementCompany Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ''best of both'' approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.If you''re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you''re our kind of person.

Work with us because you:Want to be part of a bank built for the dynamics of the modern worldRelish a challenge and enjoy a fast-paced, innovative and hardworking cultureEnjoy finding new and better ways to solve complexity and make things happenWant to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groupsCare about society and the environment and want to be part of a business that cares tooWant to continue to grow professionally and be the best version of yourself

Job Description

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 and in-house monitoring surveyorsEWI MonitoringCovenant MonitoringAnnual ReviewsSupport the provision of addition debt facilities to support existing customersManaging post execution in-life activitiesFocus on customer retention and delivering a great customer experienceProviding 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 ResponsibilitiesDevelop and maintain excellent customer relationships with new and repeat borrowersIn conjunction with Business Support

Active Portfolio Monitoring for trends, concentrations, sub-sector variances etcMarket Analysis and Portfolio Reviews, plus Horizon ScanningConsider market, macroeconomic and regulatory impacts on the portfolio and take necessary actions where appropriate, including updating relevant Risk Committees on early warning signsInput into Asset Class and Lending Policies

Ensuring Lessons Learned are embedded across the team, inclusive of watchlist casesSupporting key strategic priorities and projectsManage credit, legal and compliance risks through effective team infrastructure and controlsEnsuring the team has the requisite capacity and capabilities to successfully manage the portfolioSupport, guidance and coaching to individual team membersRegular performance feedback and performance managementEnsure 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 / AMLDevelop and maintain excellent working relationships across the wider organisation

QualificationsSignificant 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 skillsExperience 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 industryCompliance 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 planningStrong 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 employmentFree access to Headspace, a mindfulness and meditation digital health appFree access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopauseEAP (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 healthCycle to work schemeDiscounts on gym membershipContributory pension scheme and death in service

Your Lifestyle - It''s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you''re enjoying your leisure time.Minimum of 27 days holiday per yearOption to buy or sell holiday days through our flexi-holiday schemeDiscounts on gym membership nationwideAccess to discounts on a range of high street and online brandsCommunity support and charitable giving

Your Contribution - We''re 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 successProudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done

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