Portfolio Specialist

Role Overview

Portfolio Specialist - Lending – Nottingham. Permanent, full‑time, 35 hours.

Location:

Head Office, Nottingham (Hybrid – minimum 2 days per week). Salary: £40,000 (depending on experience).

• Act as subject matter expert for Lending customers, supporting the development of in‑life management strategies and controls.
• Conduct loan facility reviews, assess contract variations, manage revaluations, oversee watchlist accounts, and support recovery cases.
• Maintain portfolio quality through strong credit risk assessment and effective use of mandate.
• Mentor colleagues, promoting a culture of expertise and continuous development.
• Apply sound judgement to identify risks, prioritise effectively, and recommend mitigations.
• Stay current with mortgage regulations and ensure processes remain compliant.
• Collaborate with internal teams and external partners to enhance customer outcomes and portfolio performance.
• Contribute to strategic projects to evolve lending practices.
• Produce accurate, timely MI reporting and analysis.
• Ensure compliance with MCOB and Customer Due Diligence (CDD) requirements.

• Strong knowledge of financial services legislation (MCOB, Data Protection Act, TCF, Consumer Duty) and conduct/operational risk.
• Expertise in company structures, security types, and interpreting financial statements.
• Good understanding of Land Law, conveyancing, land registration, and Housing Act legislation.
• Proven credit management experience, especially across Commercial and Limited Company Buy‑to‑Let, including complex structures and post‑contract variations.
• Ability to analyse and interpret business data to inform decision‑making and planning.
• Track record of delivering results in a fast‑paced, risk‑focused environment.
• Strong stakeholder and relationship management skills, both internal and external, including third‑party partners.
• Excellent communication and leadership capability, with experience coaching and developing colleagues.
• Ability to manage multiple priorities, make sound judgements, and drive continuous improvement and cultural change.
• Good market, customer, and intermediary insight.
• Experience contributing to or leading project work streams, delivering against objectives.

Reward.