Originator - Private Client Real Estate (11355)

The Private Client Real Estate Manager is responsible for originating property loans across various real estate sectors within the UK.,

• Origination and Business Development:
+ Identify and arrange property lending opportunities within the team's target markets and jurisdictions. + Generate new business in alignment with targets agreed upon with the Team Leader, including preparing and executing business plans to attract new clients.
• Deal Analysis:
+ Conduct detailed analysis of new deals, scrutinizing client quality, performing financial analysis, reviewing cash flow models, and conducting property due diligence.
• Opportunity Structuring:
+ Structure new lending opportunities, proposing relevant pricing, leverage, covenants, and underlying security.
• Negotiation:
+ Lead negotiations between borrowers and the bank from the indicative term sheet stage through to the execution of the relevant transaction.
• Credit Application Review:
+ Review and/or prepare credit applications and present transactions to the Real Estate Deal Forum and the Bank's Credit Committees.
• Post-Credit Due Diligence:
+ Oversee the post-credit due diligence process with the assistance of portfolio managers and analysts, including the review of legal documentation, valuation reports, and quantity surveyor reports.
• Ongoing Deal Management:
+ Collaborate with portfolio managers and analysts to ensure compliance with all conditions and covenants throughout the loan term, including timely annual reviews and management of contractual expiries.
• Cross-Business Collaboration:
+ Work collaboratively across the bank to facilitate cross-business introductions and referrals.
• Team Management:
+ Manage analysts within the team, providing coaching, career progression support, and upskilling opportunities for junior team members.
• Operational Excellence:
+ Ensure operational and relationship excellence, both internally and with clients.


• Real Estate Debt Experience: Proven track record of originating real estate debt within the UK market, with necessary experience in development lending.
• Market Knowledge: In-depth knowledge of the property lending market across various asset sectors.
• Client Identification: Ability to identify target clients in line with the Real Estate team's strategy and the bank's risk appetite.
• Negotiation Skills: Strong negotiation experience with family offices and ultra-high net worth property clients.
• Relationship Management: Excellent networking and relationship management skills, capable of multitasking and managing demanding clients under tight deadlines.
• Industry Connections: Established relationships with sponsors and third-party advisors within the UK real estate market.
• Transaction Structuring: Extensive understanding and experience in structuring real estate lending transactions and associated documentation.
• Financial Analysis: Ability to review and analyze business plans, evaluating covenant strength and cash flow.
• Presentation Skills: Strong presentation capabilities for both internal and external stakeholders, including credit committee presentations.
• Attention to Detail: High level of attention to detail and proactive attitude towards delivering a high-quality client experience.
• Regulatory Knowledge: Understanding of relevant compliance considerations and the regulatory environment.
Additional Attributes (Helpful but Not Essential)
• Professional Qualifications: ACA (or equivalent), CFA (fully qualified), or RICS qualifications are beneficial but not necessary.
  
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  Pension
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