To support the Senior Relationship Manager in managing a Commercial Real Estate Portfolio, as outlined in further detail below.
Do you have the right skills and experience for this role Read on to find out, and make your application.
Key Responsibilities:
* Manage both new and existing commercial real estate relationships, supporting the SRM in complex transactions to achieve business objectives aligned with budget, risk appetite, policies, procedures, regulations, and overall strategy.
* Serve as the primary point of contact for day-to-day client inquiries.
* Attend client meetings and/or conduct property inspections as directed by the SRM.
* Manage the assigned portfolio in collaboration with the Head of Department during the SRM’s absence.
* Assist in monitoring non-performing loans, including coordinating with solicitors, receivers, and third parties. This includes managing arrears and recommending recovery strategies.
* Maintain a thorough understanding of credit policy, identifying and managing risks for both new and existing loans, and ensuring compliance with AML, operational, conduct, data protection, IT, and other associated risks.
* Oversee the provision of Compliance Certificates and required information for the assigned portfolio, actively maintaining a diary system, requesting information from borrowers, and updating the portfolio log. Raise non-compliance issues and anomalies with the SRM promptly.
* Complete Annual Credit Reviews of facilities (subject to SRM review) within the deadlines set by the Credit Risk Department.
* Support the SRM in preparing Credit Applications and Credit Rating Models as required.
* Handle the Transaction Completion Process following credit approval, ensuring all documentation, booking, and drawing of facilities are correctly processed in the Bank’s systems.
* Stay updated on industry news and developments.
Required Skills:
* 1-3 years of Corporate banking experience within a real estate team.
* Excellent attention to detail, including proficiency in accurately interpreting legal clauses and LMA loan documentation.
* A solid work ethic coupled with strong teamwork abilities.
* Effective communication skills, both written and verbal, for interaction with internal and external stakeholders.