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 Real Estate Portfolio Management team is a newly established team that will be responsible for actively managing the ongoing credit risk across the circa £6bn+ Real Estate portfolio (Buy to Let, Bridging, Commercial Investment). This will be a segregated team, who will own the credit and in life client relationship, distinct from Relationship Management which will continue to focus on sales activities.
Key Responsibilities
- To contribute in managing the Real Estate (“RE”) portfolio for Shawbrook
- To operate to high standards of risk management across Real Estate Portfolio Management, including Credit, Operational and Conduct Risk
- Responsible for management of existing clients, portfolio monitoring, risk reporting, risk management and providing support on new initiatives across the Team.
- Responsible for maintaining and adhering to the Bank policies and procedures at all times and providing support in working with internal and external functions.
- EWI Monitoring
- Customer MI Monitoring
- Covenant Monitoring
- All Annual Reviews – including customer / broker engagement / site visits when required – coordinating with BDM & RM teams
- Annual reviews to include 12 month look forward Umbrella Limits
- Active Portfolio Monitoring for trends, concentrations, regional variances etc.
- Market Analysis & Sub-Sector Reviews, plus Horizon Scanning and regulatory impacts on the portfolio, taking necessary actions where appropriate, including updating relevant Risk Committees on early warning signs.
- Focus on managing/overviewing portfolio performance and exposure against policy limits
- To communicate and escalate potential issues/risks in a prompt and effective manner.
- To provide support in managing and building out the overall risk management framework across PM
- PM will have responsibility for all performing cases, working with the NPL team for under-preforming and non-performing cases
Qualifications
- Proven experience with 5 years plus preferred in bank lending or similar, with a particular focus on residential and commercial real estate
- Significant client relationship experience within Real Estate
- Experience in structuring and executing transactions and risk management.
Technical/Specialist Knowledge & Skills
- Strong analytical skills, including advanced knowledge of Excel, being able to manage and handle complex issues.
- Strong understanding and analysis of Management Information, and Financial Accounts.
- Good knowledge of real estate lending structures, including familiarity with legal documentation.
- Industry knowledge in the real estate market
- Good understanding of lending practices, including structures, risks and covenant requirements.
- Excellent customer service (leading customer meetings), presentation, and negotiation skills.
- Thorough comprehension of credit risk management and credit administration
- Compliance with all regulatory requirements
- Good commercial, financial acumen and capability in strategic thinking, executive level reporting and effective business planning
Interpersonal
- Confident, ambitious, and good teamwork skills combined with being able to interact within a fast-paced entrepreneurial environment.
- Excellent interpersonal skills with the ability to quickly build rapport in order to engage employees and gain support of peers.
- Influencing skills and the ability to communicate effectively both orally and in writing with all levels of management, regulators, and committees.
- Ability to build networks and develop strong relationships
- High levels of drive, energy, and personal commitment to success.
- Ability to package and present ideas in a persuasive manner.
- Ability to prioritise and manage multiple projects.
- Demonstrates sound business judgement.
- Results orientated, holds self-accountable.
- Compliance and governance experience would be considered a positive.
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
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