City + Capital are currently working with a highly ambitious and fast-growing commercial property finance lender who have retained our services to appoint an ambitious and career-minded Loan Portfolio Manager to their growing team at an exciting time.

Our client is experiencing excellent growth, backed by secure funding lines and recent investment. As a result, they expect their loan portfolio to grow substantially over the coming period, with the business aiming to double in size based on lending projections.

Our client operates successfully to support professional property developers and investors with access to bespoke funds for key property projects. Their offering includes a commercial Buy-to-Let proposition as well as short-term loans, such as bridging finance and development exits.

The incoming Loan Portfolio Manager will be a senior member of the loan management team, reporting directly to the lender’s Head of Loan Management and Operations. You will be supported by a large team of Loan Portfolio Assistants, with the ultimate goal of building a team beneath you once excellent performance is delivered.

You will be expected to assist with key strategies and commercial decision-making within the role.

Fundamentally, the core focus of this position will be to ensure that all active loans within the property loan book are performing to achieve healthy redemption. You will support the team by tracking loan performance and raising early warning signs or identifying opportunities within the portfolio.

Where issues or opportunities are identified, you will work to support solutions, which may include arranging new loans, assisting borrowers with product transfers, planning redemption strategies, and supporting loan or asset recovery.

Month by month, your responsibilities will include collecting interest, devising and delivering reports for borrowers, investors, and senior management, reviewing contracts and audits, liaising with external suppliers and credit bureaus, maintaining deal sheets, undertaking borrower due diligence, and acting as a main point of contact for the lender’s borrowers throughout the loan lifecycle.

Duties include (but may not be limited to):

• Monitoring loan performance within the lenders portfolio
• Ensuring loans are compliant in terms of contractual agreements
• Supporting interest collection for live loans
• Review and monitor weekly reports for relevant actions
• Review contracts and audits with credit bureaus
• Devise & implement strategies for loan redemptions
• Undertake any collections activity if and where required
• Maintain deal sheets for corporate borrowers or investors
• Undertake borrower or investor due diligence
• Regular reporting to borrowers and investors

The ideal candidate for this role will have extensive experience within loan servicing or management within the commercial real estate or residential mortgage sector.

You will be able to demonstrate success in a role whereby you have managed live loans post funding and worked to support the ongoing performance and delivery of redemptions.

Any experience of the oversight of junior staff members would be advantageous, though not essential. Our client is more than willing to accept someone looking to take that next step up in their career.

In terms of the ideal personality for this role, you will be at your best working in a fast paced and dynamic environment. As the loan book is due to swell in debt quantum and number of borrowers, this means that you will enjoy managing multiple projects simultaneously.

Most notably, you will be ambitious to increase your knowledge complex real estate lending and to impart this to junior team members within the company. All specific training and development will be given.

Our clients growth model is based on promoting existing team members from within, with further future opportunities to grow within, as the company scales its loan book to c£2bn.

So this is certainly more of a career opportunity, as opposed to just another job!

The Ideal Individual will:

• Have extensive experience in property loan servicing or management
• Be highly organised and capable of managing multiple loans and borrowers
• Have an excellent attention to detail and be highly organised
• Be a confident communicator in all cases
• Be highly proactive, quick to spot opportunities or problems to address
• Be a genuine team player and enjoy collaboration
• Be ambitious and keen to grow within
• Be a natural leader, quick to bring others on the journey or strategy
• Be happy to communicate with borrowers on all matters

The basic salary for this role is between c£50k - £80k relevant to experience. Higher offers may be considered for exceptional talent.

Salary will be complemented by access to two separate bonus structures that will allow you to substantially increase earnings year on year.

This is a performance related bonus structure, as well as an annual discretionary structure.

Most notably it is the progression potential for the arriving individual that makes this a genuinely exciting role and one I would be keen to discuss with you.

The role will be based in our clients fantastic offices in Mayfair.

There is a reasonable amount of urgency to fill this position as you might expect in line with exciting growth plans.

Therefore if this role does sound like one that you are both qualified for and interested in then we look forward to your application.

We will aim to review your application as quickly as possible and where it is deemed that your experience does meet the requirements of the brief, we will be in contact for an initial chat to share more with you on the client and role and to understand better your expectations & circumstances.

We look forward to hearing from you.

The City + Capital Team