Relationship Manager Commercial Real Estate Origination

Job Purpose

To originate, structure, execute and manage new and existing commercial real estate transactions, as well as support Senior Relationship Managers in complex transactions, to support the successful delivery of business opportunities in line with budget, risk appetite, risk return measures, policies, procedures, regulations and strategy. The Bank s real estate business involves complex and high value transactions ( 15m - 100m) covering all sectors of the real estate market working directly with UK and international real estate companies.

The role involves both the underwriting of new transactions and the distribution of assets as well as the management of relationships at a senior level. The job holder will be required to build and maintain relationships with corporate CEO s, CFO s and other senior executives at large UK-based and international real estate developers and investment funds, as well as predominantly MENA-based UHNWI s and family offices, and they will have their own network of both clients and real estate professionals (lawyers, project monitors, valuers, etc.) to call upon as required.

Responsibilities, Accountabilities & Deliverables

• Originate, structure and develop new business in line with allocated revenue objectives, with a focus on large corporate commercial real estate transactions between 15mm and 100mm and where necessary, support Senior Relationship Managers in progressing complex transactions, particularly those in excess of 50mm where Group thresholds require loan distribution and/or syndication.

• Manage new facilities from origination to closing, liaising with all parties including external professional advisers, lawyers, intermediaries, banks, valuers and working through internal processes including in-house legal, risk management dept., loans administration and transaction management control, providing relevant internal advice to ensure understanding between external and internal stakeholders.

• Originate, develop and maintain close and active relationships with external stakeholders including prospective and existing clients (and their advisors and agents), counterparts, banks, lawyers, consultants, regulatory bodies and other agencies to grow and diversify Wholesale banking's client base with prompt interventions to limit risk deterioration and restructuring of debt where necessary to achieve this.

• Originate and execute cross-selling and cross-network business opportunities, providing support and developing relationships with coverage and product specialists to deepen relationships across all products and deliver more cross border business.

• Develop and implement active portfolio management, establishing more profitable relationships with Real Estate clients, in order to optimize portfolio performance in line with all policies, procedures, standards, processes and regulations.

• Develop and maintain Real Estate products, including the required platform and any necessary documentation, to provide leading edge products that meet the needs of customers and comply with regulatory requirements.

• Prepare credit applications and review existing facilities to identify any special situations requiring additional review, analyze and spread corporate accounts including financial institutions.
  

• Take responsibility for overseeing the administration of booked transactions including credit reviews, ongoing analysis of market conditions, periodic compliance reviews and general account and facility operation.

• Work, liaise and manage relationships with co-funding banks on very high value syndicated and club transactions including negotiating terms and legal documentation.

• Familiarity with regulatory, compliance matters, money laundering and know your customer procedures.

• Raise the intra Group visibility and positive perception of the Department by assisting other areas of the ABC Group to understand asset risk / dynamics through professional presentations and/or expert witness reviews of special cases.

• Contribute to the performance of Real Estate business, providing support and assistance on Group projects where required and working collaboratively with colleagues across Bank ABC to deliver profitable business in the most efficient, effective, consistent and compliant way.

• Detailed assessment of downside scenarios to correctly measure risk of loss and ensure minimum provisioning is taken on portfolio and profitability maximized and security protected through the sale of underlying assets.

Knowledge

• Detailed and up-to-date understanding of the UK Commercial Real Estate Market
• Thorough understanding of development finance and the risks associated with large-scale construction projects.
• General understanding of Banking Practice and processes
• Detailed knowledge of real estate debt products
• Advanced financial analysis skills
• Extensive understanding of risk management and mitigation techniques
• Understanding of legal structures used for real estate investments

Attributes

• Ability to work effectively in a high pressure environment and under tight deadlines
• Team player
• Ability to originate, maintain and build client relationships
• Strong analytical and problem solving skills
• Ability to think creatively and innovatively with a solutions-focused approach to client requirements.
• Demonstrate a positive attitude

Equal Employment Opportunity

Bank ABC is committed to the principles of equal employment opportunity for all employees and applicants and, in accordance with applicable laws, does not discriminate on the basis of sex, gender identity, gender expression, race, color, religion, national origin, ancestry, age, marital status, disability, medical condition, sexual orientation, or on any other basis prohibited by law.