Head of Real Estate Portfolio Management

Company Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally.  We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities.  This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale.  We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Job Description

The Head of Real Estate Portfolio Management will manage the Real Estate Portfolio Management team and support the forward look Commercial strategy aimed at continued success in our chosen markets, managing risk and supporting clients through their full life cycle.

The Real Estate Portfolio Management team operates as a specialised unit responsible for managing credit risk in real estate finance transactions and handling various in-life activities for our portfolio. This team plays a crucial role in maintaining portfolio health and ensuring exceptional client service.

The Portfolio Management team have responsibility for:-

• Individual transaction Monitoring, working with 3rd party & in-house monitoring surveyors
• EWI Monitoring
• Covenant Monitoring
• Annual Reviews
• Support the provision of addition debt facilities to support existing customers
• Managing post execution in-life activities
• Focus on customer retention & delivering a great customer experience
• Providing support to new business teams to deliver a premium service

The team maintains responsibility for all performing cases while working closely with the Non-Performing Loan (NPL) team on under-performing and non-performing cases.

Key Responsibilities

• Develop and maintain excellent customer relationships with new and repeat borrowers
• In conjunction with Business Support
  • Active Portfolio Monitoring for trends, concentrations, sub-sector variances etc
  • Market Analysis & Portfolio Reviews, plus Horizon Scanning
  • Consider market, macroeconomic and regulatory impacts on the portfolio and take necessary actions where appropriate, including updating relevant Risk Committees on early warning signs
  • Input into Asset Class & Lending Policies
• Ensuring Lessons Learned are embedded across the team, inclusive of watchlist cases
• Supporting key strategic priorities & projects
• Manage credit, legal and compliance risks through effective team infrastructure and controls
• Ensuring the team has the requisite capacity & capabilities to successfully manage the portfolio
• Support, guidance & coaching to individual team members
• Regular performance feedback and performance management
• Ensure the completion (within appropriate timescales) of ongoing credit stewardship activity to a high standard, including but not limited to annual reviews, MI / covenant monitoring, EWI reporting / escalation, Watch actions / reporting and KYC / AML
• Develop and maintain excellent working relationships across the wider organisation

Qualifications

• Significant industry knowledge in the Real Estate Finance market including a deep understanding of lending practices in that sector, structures, risks, covenant requirements, pricing and competition.
• Demonstrable ability to undertake commercial analysis of a business both in terms of financial and non-financial aspects.
• Excellent customer service, presentation and negotiation skills
• Experience in executive level reporting on strategic initiatives.
• Thorough comprehension of credit risk management, credit administration, loan production and servicing.
• Proven credit risk management skills, including turnaround ability within either banking or finance industry
• Compliance with all regulatory requirements, remaining in good standing with regulatory agencies.
• Strong commercial, financial acumen and capability in strategic thinking, executive level reporting and effective business planning
• Strong customer/intermediary and market insight

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done