Senior Real Estate Portfolio Manager

at  Shawbrook Bank

TECHNICAL/SPECIALIST KNOWLEDGE & SKILLS

• Strong analytical skills, including advanced knowledge of Excel, being able to manage and handle complex issues.
• Strong understanding and analysis of Management Information, and Financial Accounts.
• Good knowledge of real estate lending structures, including familiarity with legal documentation.
• Industry knowledge in the real estate market
• Good understanding of lending practices, including structures, risks and covenant requirements.
• Excellent customer service (leading customer meetings), presentation, and negotiation skills.
• Thorough comprehension of credit risk management and credit administration
• Compliance with all regulatory requirements
• Good commercial, financial acumen and capability in strategic thinking, executive level reporting and effective business planning

THE ROLE & RESPONSIBILITIES

The Real Estate Portfolio Management team is a newly established team that will be responsible for actively managing the ongoing credit risk across the circa £6bn+ Real Estate portfolio (Buy to Let, Bridging, Commercial Investment). This will be a segregated team, who will own the credit and in life client relationship, distinct from Relationship Management which will continue to focus on sales activities.

KEY RESPONSIBILITIES

• To contribute in managing the Real Estate (“RE”) portfolio for Shawbrook
• To operate to high standards of risk management across Real Estate Portfolio Management, including Credit, Operational and Conduct Risk
• Responsible for management of existing clients, portfolio monitoring, risk reporting, risk management and providing support on new initiatives across the Team.
• Responsible for maintaining and adhering to the Bank policies and procedures at all times and providing support in working with internal and external functions.
• EWI Monitoring
• Customer MI Monitoring
• Covenant Monitoring
• All Annual Reviews – including customer / broker engagement / site visits when required – coordinating with BDM & RM teams
• Annual reviews to include 12 month look forward Umbrella Limits
• Active Portfolio Monitoring for trends, concentrations, regional variances etc.
• Market Analysis & Sub-Sector Reviews, plus Horizon Scanning and regulatory impacts on the portfolio, taking necessary actions where appropriate, including updating relevant Risk Committees on early warning signs.
• Focus on managing/overviewing portfolio performance and exposure against policy limits
• To communicate and escalate potential issues/risks in a prompt and effective manner.
• To provide support in managing and building out the overall risk management framework across PM
• PM will have responsibility for all performing cases, working with the NPL team for under-preforming and non-performing cases