Buckden Partners
Head of Portfolio Management - Structured Property Finance
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My client is an established and high-profile Challenger Bank with a growing Structured Property Finance team.
Overview
The candidate will be responsible for managing a team of portfolio relationship managers and will ultimately oversee and manage the Structured Property Finance division’s complex UK property loan book. The team will be made up of 4 portfolio relationship managers, with the team to grow alongside the rest of the Structured Property Finance division.
Responsibilities
- Key client liaison/portfolio manager on our top 5 largest client exposures and be responsible for allocating the remaining portfolio across the rest of their team.
- Overall responsibility for ongoing relationship and risk management within the portfolio, including effective management of any extensions/renewals/maturities/covenants/conditions.
- Active portfolio management identifying which loans should be kept and which should be encouraged to redeem well ahead of maturities with early engagement with customers to ensure strategy delivered.
- Develop and analyse reports and Management Information to ensure the portfolio is not carrying unexpected levels of risk.
- Thorough oversight of the portfolio, to ensure that loan performance is in line with requirements, ensuring effective and timely reporting of those facilities that are not.
- Develop the Portfolio Management Team to build capabilities and achieve high levels of employee satisfaction in line with a high-performance culture.
- Support the development and training of the Heavy Refurbishment/Specialist Bridging team.
- Undertake regular 1-2-1s with direct reports and provide appropriate guidance, support and coaching as necessary.
- Liaison with Executive Directors, Credit Risk Team, Head of Operations, Head of Deal Executions, Head of Sales.
- Identification of risk situations and control of overdue loans ensuring portfolio is adequately monitored.
- Monitoring of CRRs / LTV’s/ Loan Conditions.
- Site visits and client meetings as required.
- Assist with the management of the recovery of any impaired assets alongside operations team and credit risk management team.
- Ensuring the timely reporting of elevated risk situations and conduct of loan reviews.
- Ensure Portfolio Management adheres to the Bank’s Internal Processes and External Regulatory.
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What you will Bring
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- Very strong credit risk skills and credit risk experience.
- Experience of managing a team of 3+ team members and be able to demonstrate good relationship management skills.
- Ideally the candidate should have spent at least 5-10+ years in a leadership role in credit or loan portfolio management in UK property finance.
- The candidate should have a good understanding of both commercial and residential property.
- Experience in managing complex loans across these sectors.
Salary
up to £130k
Location
London (hybrid working)
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