Portfolio Associate

Lend Invest is the UK’s leading Fin Tech platform for property finance. Over the past 18 years, we have grown from just our two founders to a team of over 200 working to make property finance simple for everyone.

A workplace culture built around trying new things, getting things done, and having fun while we do it has helped us lend more than £9 billion of mortgages, put thousands of new or improved homes into the UK housing market, and successfully launch on the London Stock Exchange. We have big plans to continue growing the business, our products, our technology, and our people.

We operate a hybrid working policy across our business to ensure we offer flexibility that is balanced with in‑person collaboration. Our teams spend three days per week in the office and two days working remotely.

This specialist role is to lead recoveries on complex short‑term Development Finance and Bridging Finance lending cases that have failed to repay and require specialist knowledge of debt recovery to mitigate the risk of losses. The role will involve significant on‑site time working with borrowers, LPA Receivers, Administrators, and the Lend Invest senior team to ensure the nature of the security is fully understood and to subsequently recommend and oversee actions to recover the outstanding debt.

You must have proven expertise in real estate finance and debt recovery, including planning, building regulations, legal, insurance, and corporate/personal insolvency.

This role reports to the Director of Portfolio Risk and will be required to work with the broader collections and loan servicing team adding insights and value to all aspects of the management of the Lend Invest loan book.

• Direct ownership for the management of distressed assets including working with LPA receivers, solicitors, and related third parties
• Visit securities to manage both the borrower relationship and risk profile, understanding the ongoing viability of the security and potential exit options
• Coordinate professional teams as required to assist with the smooth completion of construction projects
• Collaborate in high‑risk and debt work‑out forums, to provide oversight and direction on all types of lending exposure
• Proactively contribute to collections forums and identify cases where your expertise can be applied
• Providing the Investment & Credit Committee with timely and relevant management information on exposure to loss, workout strategies on recovery cases, changes to planning, or other regulations or laws impacting property lending
• Support the completion of the IFRS 9 provisioning routine concerning expected recoveries
• Provision of timely and accurate data
• Working closely with the Head of Loan Servicing to ensure recovery activities are closely aligned.
• Ensuring that all property recovery matters are handled appropriately and in line with responsible lender practices
• Taking appropriate and proportionate action to mitigate losses