Portfolio Manager, Development Finance

at  Shawbrook Bank

THE ROLE & RESPONSIBILITIES

To support the Relationship Directors and Relationship Managers within the Development Finance team to on board new customers and process their lending applications.
Once Credit approved the Portfolio Manager will be responsible for preparing Credit Backed term sheets and instructing the bank’s professional to take the loan forward and to handle all matters required for completion of the first advance. Thereafter they will be responsible for the in life management of the loan until it is finally repaid in full.
The role will involve the management of a portfolio of existing customers and dealing with new applications alongside. It will therefore require the Portfolio Manager to build strong relationships with both existing and new customers.
Systems maintenance will be essential to ensure that all reporting of data from the bank’s systems is up to date and accurate.

KEY RESPONSIBILITIES

• Ensure a good understanding of all the company’s policies, procedures and compliance guidelines, installing the principles in your daily practice to protect the company from any associated risks.
• Ability to adopt a pragmatic approach to assessing loans including annual reviews.
• To understand and analyse key information such as credit searches, bank statements, financial accounts, property valuations and business appraisals in order to make informed lending decisions/recommendations.
• To deliver high levels of accuracy and attention to detail in data input and all written communications produced.
• Able to undertake face to face meetings with customers and liaise with them on the telephone.
• To build successful working relationships with external contacts such as brokers, customers, surveyors and solicitors as well as internal teams such as administrators, credit risk and finance to ensure that all lending requirements are satisfied prior to release of funds.
• To effectively manage a large pipeline of cases through to completion, ensuring both company service standards and the lending policy is complied with throughout.
• Assist with the development and implementation of the team’s ongoing strategy and procedures for managing long term client management.
• Ensure that annual reviews are completed in a timely manner and that all loan extension documents are agreed and executed prior to the loan expiry dates.
• Embrace the principles of treating customers fairly and responsible lending in all decision making.