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