Our client seeks a Real Estate Originator to join their Offshore Client Real Estate division, focusing on providing residential and commercial development and investment finance. In this full-time position, you will be responsible for building and converting a high-quality pipeline of new lending opportunities across the UK and Channel Islands. The role includes developing and deepening client and intermediary relationships while originating appropriately structured transactions that align with the team's growth and client objectives.
Job Duties:
- Originate and arrange property lending opportunities within the target markets and jurisdictions, developing a prioritised origination plan.
- Conduct detailed analyses of new deals, including evaluation of client quality, financial analysis, cash flow modelling, and property due diligence.
- Structure new lending opportunities, proposing pricing, leverage, covenants, and underlying security, whilst leading negotiations from indicative term sheet to execution.
- Review and prepare credit applications, presenting transactions to the Real Estate Deal Forum and the Bank's Credit Committees.
- Lead the post-Credit due diligence, reviewing legal documentation, valuation reports, and QS reports.
- Manage each deal through to repayment, ensuring compliance with all conditions and covenants, and conducting on-time annual reviews.
- Provide coaching and guidance to analysts supporting originated opportunities to enhance their technical and client-facing skills.
- Ensure operational and relationship excellence, both internally and externally with clients.
- Manage wider banking services provided to real estate borrowers.
- Collaborate across the Bank through cross-business introductions and referrals.
Job Requirements:
- Proven track record of originating real estate debt in the UK or Channel Islands markets, particularly in development lending.
- Comprehensive knowledge of the property lending market across various asset sectors.
- Ability to prioritise opportunities based on strategic fit and return, with the confidence to decline or reshape unsuitable opportunities.
- Strong negotiating skills with experience in working with family offices, intermediaries, and high net worth property clients.
- Excellent relationship management abilities, capable of multitasking and handling demanding clients under pressure.
- Established connections with sponsors and professional advisers in the real estate markets.
- In-depth experience in structuring real estate lending transactions and associated documentation.
- Familiarity with cross-border or offshore ownership structures is advantageous.
- Strong analytical skills to evaluate covenant strength and business performance.
- High attention to detail and effective time management.
- Understanding of compliance considerations relevant to the role.
- Proficiency with AI-enabled productivity tools to enhance efficiency and decision-making.
- Commitment to integrity and fair treatment of customers.
What You’ll Love:
Our client fosters a culture of belonging and inclusion, encouraging you to bring your authentic self to work. They actively seek diverse talent and offer networks, benefits, and development opportunities to support your career journey. Here, innovation thrives when everyone feels respected and empowered to contribute.
Could this be the right opportunity for you?
If this opportunity sounds right for you, we’d love to hear from you. Our friendly and experienced recruitment team is here to answer your questions, offer guidance and support you throughout the process. Simply submit your CV in confidence, and our Candidate Manager will arrange for one of our consultants to get in touch to organise an initial meeting, either face to face, via Microsoft Teams or by telephone, whichever suits you best. We look forward to getting to know you and learning more about what you’re looking for.
