Associate Director​/Director, Commercial Real Estate

Job Summary

The
Associate Director/Director, Commercial Real Estate
role at Standard Chartered offers a unique opportunity to engage deeply with dynamic financial markets and contribute to strategic real estate financing initiatives across the UK and Europe. In this position, you will be instrumental in supporting the structuring and execution of innovative financing solutions, ensuring alignment with the bank's strategic vision and risk management framework.

This role is ideal for detail-oriented individuals who enjoy working in fast-paced, collaborative environments and who possess a strong analytical mindset combined with excellent communication skills. As part of a dedicated team, you will develop advanced financial models, conduct scenario analyses, and manage transaction pipelines while liaising closely with various internal stakeholders to deliver best-in-class solutions to clients. Your contributions will help shape sustainable client relationships and drive the bank's growth in the structured commercial real estate finance space.

This role accommodates talent at different career stages within the Associate Director and Director levels, offering flexibility and a tailored platform for professional development within a prestigious global banking institution.

The key responsibilities of the
Associate Director/Director in Commercial Real Estate include comprehensive engagement in the entire transaction lifecycle. You will:

• Assist in originating and structuring bespoke financing solutions tailored to client needs within the CRE market across UK and Europe, while proactively identifying cross-selling opportunities with other product teams to enhance client value.
• Formulate, develop, and critically assess detailed financial models and credit memoranda to support complex transactions, including senior, whole loan & mezzanine financings, loan-on-loan structures, warehouse facilities, and asset-backed securities such as CMBS.
• Partner actively with internal stakeholders, including client coverage teams and multiple support functions—including Credit Risk Control, Legal, Compliance, Operations, Loan Documentation, and Loan Processing Units—to facilitate seamless transaction execution and compliance with internal policies.
• Maintain accountable oversight of credit risk assessments, ensuring ongoing monitoring and control through regular communication with relationship managers and relevant stakeholders.
• Adhere rigorously to the bank’s credit underwriting standards, product governance, and regulatory requirements, ensuring all business activities remain compliant and strategically aligned.
• Critically evaluate deal pipelines, oversee deal progression at various stages, and manage comprehensive documentation relating to pricing and market feedback, including CRE research and analysis of public CMBS transactions.
• Provide vigilant portfolio risk management through active account monitoring and timely escalation of emerging risks to leadership to safeguard the bank's interests.
• Drive internal process management such as completion of Risk Control Assessments (RCAF), Governance Control Assessments (GCAF), Portfolio Stress Reviews (PSR), Business Credit Approvals (BCA), and other critical deal checklists to uphold governance standards.

Success in this role requires a blend of technical financial expertise, client-centric focus, and risk management capabilities. Candidates should demonstrate the following skills and experience:

• Business and Market Acumen
  : A sound understanding of the commercial real estate market dynamics, industry trends, and regulatory environment within the UK and European context.
• Financial Risk Management
  :
  Proven ability to analyze credit risk, develop robust financial models, and manage exposures in structured finance environments.
• Customer Needs Analysis
  :
  Aptitude for thoroughly understanding client requirements, structuring innovative financing solutions, and effectively communicating complex product offerings.
• Risk Management & Internal Controls
  :
  Experience with implementing and maintaining internal control frameworks, ensuring adherence to credit…