Portfolio Manager

Loan Portfolio Manager

London

Hybrid

We are working with a small team of ambitious, passionate, and committed people who have come together to make their shared purpose a reality - to help build better futures for the communities that need it most. One that makes a difference, is empathetic, fair and creates opportunities for everyone.

In this new and exciting role you will use your extensive experience, in similar roles, to manage the increasing loan portfolio of bespoke property-backed loans including Buy to Let, Investment Loans/Commercial Mortgages and Bridging facilities.

Responsibilities:

• Ensure all loans are fully performing and achieve a satisfactory redemption by tracking loan performance and raising early warning signs or opportunities within the loan portfolio.
• Assist with redemption strategies, reporting of key performance metrics and commercial decisioning within the role.
• Continuous monitoring of loan performance & interest collection (arrears), ensuring loans are compliant with their contractual agreements, preparing reports for senior management, undertaking audits of data quality and being a point of contact for Customers throughout the life of a loan.
• Assist the risk and front-line relationship teams throughout the Collections process to ensure customers supported appropriately and Business Support Policy is followed.
• Using your experience to manage Watch and Recovery customer relationships whilst demonstrating a range of recovery and restructuring techniques across the portfolio to reduce risks and realign portfolios to risk appetite.
• Working collaboratively and constructively with others in risk and front-line relationship teams to ensure mutual satisfaction and continued growth whilst able to demonstrate independence.
• Continual implementation, maintaining and improving relevant systems & Policies.

Skills and experience:

• Property loan servicing and management.
• Highly organised with an excellent attention to detail and comfortable communicating with Customers on all loan-related matters including those in distressed circumstances.
• Understanding credit risk, collections and workout activities across financial services and specialist property banking.
• Working in a team with the ability to influence outcomes.
• Good awareness of regulatory frameworks including Conduct and Compliance requirements.
• Proven analytical skills with a strong working knowledge of risk control systems, processes and reporting.
• Evidence of the ability to communicate effectively and support both risk and front-line relationship teams.
• Evidence of balanced and independent judgement with a proven ability to drive change.
• Strong financial acumen and expertise in project finance, risk management, and financial modelling, Loan & Debt servicing.
• Ability to multitask and prioritise projects.

Benefits:

• 8% company pension contribution and 3% individual contribution (which you can opt to increase)
• 30 days holiday every year - which includes your birthday off + bank holidays on top
• Work from Anywhere - for four weeks of the year you can work from anywhere worldwide
• Flexible working - you 'own the way you work' and we are proud to have been recognised as being one of the top 100 most flexible companies to work for in the world.
• Top tier private medical cover with WPA - includes no excess + you can add family through salary sacrifice
• Death in service at 4 x base salary with Aviva
• Mental health support - through a helpline and counselling sessions
• Enhanced maternity, paternity and adoption leave
• Various surprise and delight moments throughout the year to help build team connection

What else do I need to know?

Location: London Based - Hybrid

Salary: £50,000 to £60,000 per annum depending on experience

Hours: 35 hrs per week