Commercial Banking

Job Description 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

Risk:

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

Skills:

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.

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 Other AL Competencies to consider:

Client Focus Excellent Administrative and Organisational skills

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