• Profile
Job Description

This role will be a home-working position covering the midlands area

  • Offer a sophisticated Real Estate Finance service that caters to the unique needs of experienced Real Estate professionals, with an expected target debt requirement of £3mn+, specifically in the Residential Investment market.

  • Develop and enhance relationships with both new to bank and existing HNW clients’businesses

  • Provide effective lending and deposit solutions to meet the needs of such clients, building a profitable and sustainable portfolio which contributes positively to both sides of the AL commercial balance sheet

  • Work professionally and proactively to represent the Bank both externally and internally

  • Work closely with Private Bankers to encourage internal networks for the referral of business

Key Responsibilities

  • Origination and Primary relationship management responsibility of a  portfolio of more complex real estate clients, serving as their strategic partner in the bank and acting as a gateway to other products and services.

  • Specific responsibility for developing the ALREF offer in the UK and also to source business for the wider bank.

  • Meet demanding new business development targets and ensure unwavering commitment to service excellence

  • Manage and develop a high value and complex portfolio of both assets and liabilities (including the management of a loan book) with particular focus on its impact on the P&L and Balance Sheet

  • Within a 6-month period, develop and present business cases and initiate credit proposals that are complex, in-depth and larger value to meet your clients’ needs and that meet the ALREF standards..

  • Overall responsibility for your own risk and regulatory performance as a senior member of the banking team, including the client acquisition process

  • Manage and develop an extensive network of external business relationships and introducers to acquire, develop and service SME clients

  • Work proactively with the Director, UK Real Estate to develop a strategic business plan for your area, including support in the development of less experienced Relationship Managers and Support staff

 

Key Interfaces

  • Clients - and their representatives and advisers

  • Banking team - both locally and across the wider Commercial Banking business

  • Back Office departments  - including working closely with Credit, Compliance, Portfolio Control and the Operations departments

Person Specification

Knowledge/Experience

  • You will have a successful background in Commercial Banking with broad experience across the financial services industry and detailed knowledge of the Real Estate market in which you will operate

  • Significant Commercial Banking experience dealing with Real Estate clients  in both investment and development to hold.

  • Proven track record in developing new business and growing a portfolio of high quality Real Estate clients

  • Fulfil the responsibilities required under the FCA’s pillars.

Skills

  • Excellent interpersonal skills  including networking, negotiation, presentation, influencing and collaboration

  • Excellent business development skills

  • Excellent risk analysis and credit report writing skills, incorporating the ability to present effectively to Credit Committee in a way that inspires confidence and credibility

  • Competence with Microsoft Office, including Word, Excel and Powerpoint

Qualifications

  • Preferred: banking qualifications ACIB/Chartered Banker or equivalent

Competencies

  • Business and Commercial Focus

  • Performance Focus

  • Planning & Reviewing

  • Team Working & Collaboration