This role focuses on supporting lending transactions for property investors, developers, family offices, and high-net-worth clients across the Channel Islands and the UK. The Analyst will join the Offshore Client Real Estate team and play a critical part in analysing and structuring real estate lending opportunities, preparing credit papers, conducting due diligence, and assisting with the ongoing management of a portfolio of real estate loans. The position can be based in either Guernsey, Jersey, or London, requiring necessary travel between locations to engage with teams and clients effectively. This is a full-time role, operating over five days a week. The environment is people-centric, promoting collaboration in an office-based setting, where team interaction is highly valued. Candidates will benefit from joining a friendly and up-to-date office environment. A keen interest in developing a long-term career within a specialist and growing property finance business is essential.
Job Duties:
- Support the origination, structuring, and management of real estate loans.
- Build debt cash flow, scenario, and sensitivity models, and conduct return/pricing analysis.
- Prepare term sheets and credit papers for review by Originators, proposing structuring options.
- Perform detailed analyses of new deals, including scrutiny of client quality and cash flow models.
- Manage existing loan book and assist in annual reviews, drawdowns, loan extensions, and renegotiations.
- Liaise with internal teams (Operations, Valuers, Legal Counsel) and external partners to manage the portfolio.
- Attend client meetings and prepare credit applications for presentation to relevant forums.
- Support post-credit legal, valuation, and due diligence processes.
- Enhance workflow through the use of templates, AI, and technology tools.
- Assist in completing project work for the Offshore Real Estate team.
Job Requirements:
- Strong financial and quantitative modelling skills, including experience in building debt cash flow models.
- Practical fluency with technology and AI tools, including automation within lending processes.
- Ability to turn data into clear, actionable insights.
- Understanding of valuation principles and key terms in real estate finance transactions.
- Competence in performing financial analysis and identifying business risks.
- High level of numeracy, attention to detail, and strong organisational skills.
- Proactive attitude with ability to deliver against tight deadlines.
- Excellent relationship and communication skills for effective internal and external collaboration.
- Knowledge of the property market, with experience in property investment or development lending as a plus.
- Familiarity with real estate procedures, including credit and drawdown matters.
- Commitment to integrity and treating customers fairly.
What You’ll Love:
This position offers a unique opportunity to engage in maintaining and enhancing the reputation of the jurisdiction while working collaboratively in a supportive environment. Team members can expect to develop their skills in regulatory oversight, policy creation, and risk-based supervision. The organisation is committed to professional growth, providing ample opportunities for training and career development.
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