Junior Portfolio Manager - RICS Graduates

My client is a non-bank Real Estate Lender. They are a small team based in Kent who is recruiting for a Junior Portfolio Manager to join their successful team.

You will be conducting in-depth analysis, managing active loans, and ensuring that all lending activities align with the company’s risk management and performance objectives.

This role offers hands-on experience in all aspects of property finance and development, with the potential for growth and additional responsibility and business winning.

• Identify new lending leads through planning approvals, online research, Linked In, and other channels.
• Conduct preliminary research to verify project viability and borrower suitability.

• Prepare initial development appraisals, ensuring that borrower assumptions align with industry standards.
• Assist in drafting credit approval documentation and recommending loan terms for management review and sign-off.
• Perform in-depth analysis of comparable sales data (Rightmove, Searchland, Land Registry) to verify project assumptions.
• Conduct background checks on borrowers, assessing potential risks such as bankruptcy, current portfolio exposure, and historical lender relationships.
• Financial modelling and security analysis.

• Progress loans from Heads of Terms through to completion, coordinating with solicitors, valuers, monitoring surveyors and Brokers to push deals over the line.
• Negotiate drawdown templates with borrowers to establish clear terms from the outset.

• Develop and maintain a loan tracker to monitor key metrics, including drawn amounts, accrued interest, fees, and leverage ratios.
• Manage a risk matrix for live loans, tracking build progress, planning conditions, sales status, and potential loan extensions.
• Conduct on-site monitoring for smaller or local projects, ensuring project milestones are being met.
• Review and analyse project monitoring reports to provide internal insights and updates.

• Experience in Property Construction or Finance would be advantageous, but not essential.
• Driving licence and access to own vehicle.
• Excellent communication and interpersonal skills, with the ability to build effective relationships with stakeholders.
• Ability to work in a fast-paced, dynamic environment.
• Basic proficiency in Excel.
• Excellent organisational abilities with high attention to detail to manage multiple projects simultaneously.
• Works well within a team and contributes to a positive work environment.
• Confident in presenting information clearly and effectively to internal and external stakeholders.
• Friendly, confident, and able to build relationships with potential borrowers and industry professionals, able to network and "open doors".

Salary: up to £35k plus a discretionary bonus