Relationship Manager

· To originate property debt finance (buy to let and development) transactions

· Develop and execute strategies to grow the bank's property loan portfolio, including residential and commercial mortgages.

· Identify and target potential clients, engaging with real estate brokers for property loan portfolio growth.

· Develop and implement strategies to grow the bank's deposit base through retail and business channels.

· Identify high potential markets and customer segments to attract new depositors.

· Maintain a robust pipeline of potential clients and ensure effective follow-up to convert leads into loans or deposits.

· To work with a bank's individual or corporate clients, providing them with a range of financial services and products, including deposits, loans.

· To manage originate to sell property debt finance transactions for the bank through own net work

· Develop relationship with institutions for onward funding of property transactions.

· Originate opportunities in Portfolio acquisitions from funds/ institutions

· Assist in managing real estate transactions originated by branches for terms closing with clients and credit approval and disbursement.

· Set up a broker channel for origination of real estate debt finance deals.

· To review and analyse property operating performance;

· To appraise the asset management and business plans of target properties to be financed;

· To evaluate property specific risk and must be proficient in excel modelling;

· To assess the net income position and the implications on cash flow, value and exit position;

· To build, interpret and manipulate financial models to evaluate the security of financing arrangements;

· To be responsible for the valuation due diligence during the transaction execution process;

· To write credit applications under tight deadlines and lead the credit process;

· To address any queries or requests raised by the credit risk department, the credit committee, and the business line;

· To prepare deal proposals and term sheets;

· To stay UpToDate with commercial property investment and development market situations in UK.

· To ensure KYC and compliance requirements of Real Estate Finance are adhered to

· To assist with asset management of already invested Real Estate Finance

· Facilities as required.

· To assist the MD&CEO matters with adhoc projects as they might arise within the context of the Real Estate Finance team

• · Any additional assignments from line manager / updates in the office order in relevance to the job role.