Job Description

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.

• 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 analyze key information such as credit searches, bank statements, financial accounts, property valuations and business appraisals 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

Benefits

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Required Knowledge, Skills, and Abilities

• Working knowledge of the UK property market and specialist knowledge of managing loan completions/completing due diligence checks for residential development loans
• Strong organisational skills and ability to work both alone / as a part of a team where required
• Good communication skills and experience of working with lawyers; values and independent monitoring surveyors
• Good with systems and having a strong eye for detail