Commercial Lending - Chartered Surveyor, Real Estate Advisor

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Commercial Lending - Chartered Surveyor, Real Estate Advisor

Job Description

To assist the Private and Commercial banking front line team with the appraisal/structuring and valuation of both commercial and residential development and investment deals.

Where applicable, to place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers; and to comply with the FCA and PRA's Conduct Rules.

Key Responsibilities:

Maintain close contact with the bank panel valuers and monitoring surveyors.
Own the Valuation & IMS panel.
Obtain comparable evidence where possible, quotations and review/customise valuation instruction letters.
Where you have the relevant experience, undertake or oversee internal desktop appraisals.
Keep teams updated with yield, rent trends, forecasts and property research.
Work closely with Private & Commercial bankers and their executives to ensure the growing lending book is well controlled and monitored from a real estate perspective.
Provide ad hoc advice to the finance team on property related matters, ensuring alignment with financial reporting and strategic asset objectives.
On more complex deals assist Private & Commercial bankers and executives with credit application and presentation to credit committee alongside the commercial banker.
Wider Banker Training & Thematic reviews

Risk Management:

Assist bankers and their executives in monitoring risk issues across the lending book with specific responsibility in all aspects of real estate metrics.
Review and challenge bank appointed secured lending valuations.
Help ensure that the real estate risk appetite policy is adhered to.
Provide input into the annual review of the Real estate finance policy.
Liaise with credit risk department/credit operations to ensure Lending controls relative to valuation approvals are effective.
Keep abreast and advise relevant team members of current Landlord & Tenant/statutory/planning law and trends affecting the current and future portfolio.

Client Service:

Client contact with Private & commercial banker from deal inception through to monitoring facilities and problem situations.
Self-Starter who is keen to help deliver demanding business targets and ensure unwavering commitment to service excellence.
Developing relationships with key stakeholders across the business and develop trust and respect through delivering quality professional advice.
Take responsibility for your risk and regulatory performance when assisting with client acquisitions
Where required, attend client meetings and site visits in respect of new transactions and monitoring development progress alongside the bank appointed monitoring surveyor. Request and collate all relevant property information from the client in order to assess and prepare credit submission with the commercial banker on an ad hoc basis.

Risk:

Responsible for managing risks inherent to the role by diligently observing internal policies and procedures.

Key Interfaces:

Clients & client representatives.
Banking teams –Bankers & and executives.
Credit Committee
Back-office departments (including working closely with credit, compliance and the operations departments).
Panel valuers and monitoring surveyors.
Networking events and professional seminars.

Person Specification

Knowledge/Experience/Skills:

Background in valuation and appraisal within the valuation division of a large surveying practice or advisory team within a bank.
Extensive experience using technical knowledge to assist commercial bankers in underwriting and residential sectors.
Comfortable with investment cash flow analysis and development appraisal.
Extensive experience of advisory and valuation experience in both commercial and residential real estate property.
Experience of appraisal using DCF and NPV techniques.
Good understanding of key risks affecting real estate including Land &Title/ Minimum Energy Efficiency Standard/planning and environmental matters.

Skills:

Good Interpersonal Skills.
Team Working.
Property Risk Skills.
Property Report Writing Skills.
Competence with Microsoft Office.

Qualifications:

Member of the Royal Institution of Surveyors.
RICS Registered Valuer.

Competencies:

Team Working
Influencing Others
Problem Solving and Judgement
Working Proactively
Business and Commercial Focus
Communication and Confidence

About Us

Life, Work and Benefits

Arbuthnot Latham is committed to equal-opportunities for all staff and candidates. We embrace inclusion & diversity and understand why they are critical for the success of our business and people.

Agile working
Competitive salary, pension & holiday allowance
BUPA Health cover
4x Life Assurance
Income Protection scheme
Discretionary bonus
Market leading maternity/paternity and menopause policies
Flexible benefits

Data Privacy and Reasonable adjustments

We take keeping your data security seriously. For more detail on how we may keep your data please refer to our Privacy Notice

https://careers.arbuthnotlatham.co.uk/files/RecruitmentPrivacyNotice.pdf

Reasonable adjustments: Please let us know of any adjustments or arrangements that you may need to help you apply to this role or that will help you during the recruitment process. If you wish to discuss any particular requirements or concerns you have because of a disability or medical condition please contact us at [email protected]. Information you provide about any disability or medical condition will remain confidential unless it is necessary to disclose it to other members of staff or outside agencies to ensure the health and safety of yourself and others, or to implement the adjustments you require. In these circumstances we will first discuss with you how and to whom the information may be disclosed.

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