Commercial Mortgage Manager – UK South – 2995

Asset Finance International; United Kingdom; On-site; GBP 81,000 - 99,000; Full time

Job summary

Asset Finance International is seeking an experienced Commercial Mortgage Manager to originate, structure and deliver owner-occupied mortgage solutions for UK SMEs, predominantly in the South of England. This field-based role is home-office based with significant travel to meet customers.

You will work closely with internal teams, brokers and customers, manage loans through credit approval to completion, and build a high-quality loan book while hitting lending targets.

Qualifications

• Strong experience of owner-occupied commercial mortgage lending to UK SMEs.
• Ability to analyse statutory accounts and management information to structure deals.
• Excellent negotiation, presentation and closing skills.
• Self-motivated, highly organised and able to manage structured contact strategy.
• Willingness to travel across the South of England and Wales.
• Proven track record in converting leads into funded loans.

Responsibilities

• Drive new business in Commercial Mortgages through brokers, sales teams and customers.
• Review and triage Commercial Mortgages leads, progressing transactions within credit appetite.
• Negotiate and structure the terms of transactions with customers.
• Prepare comprehensive credit proposals and present these to credit for underwriting.
• Engage with external valuers and solicitors to support underwriting and security perfection.
• Achieve personal annual lending targets agreed with the Managing Director.
• Maintain accurate records of leads, opportunities, and transactions in Salesforce to enable reporting on the sales process.
• Prepare and present reporting on sales and credit performance for the senior leadership and credit teams.
• Perform periodic reviews of a portfolio to ensure the mortgages are performing as expected and the information held on our systems is up to date.
• Conduct regular reviews of the external competitive environment ensuring the appropriate measures are implemented to grow market share.
• Take an active role implementing new business initiatives and ensure these are transparent and well governed.
• Develop and nurture relationships with internal stakeholders (e.g. Credit, Operations and Customer Support & Collections).
• Build and maintain an effective panel of brokers and introducers to source new business opportunities.
• Support Customer Support and Collections colleagues in the management of stressed / forborne exposures and collections & repossessions activities.
• Ensure that all Governance and Compliance requirements are adhered to and all reporting and reviewing activities required by the Regulatory Bodies are carried out to the standards required.
• Exercise appropriate skill, care and diligence in the performance of the role and management of the business.

Job description

Salary range up to £90,000 plus competitive end of year paid annual bonus plus a wide choice of company car and excellent benefits.

Our client a leading financier for whom we have successfully sourced over 50 staff across not only in the UK but also in Ireland & Germany and successfully found for them their first Commercial Mortgage Manager are now seeking to hire an additional Commercial Mortgage Manager to focus on developing new business across the South of the UK.

Their Commercial Mortgage offering is now transitioning into its next exciting growth phase which to further facilitate additional new business now encompasses increases in LTV lending ratios, increases in the length of mortgage terms, and also a wider range of mortgage products.

In this role, you will originate, structure and deliver owner-occupied commercial mortgage solutions to UK SMEs, primarily across the South of England.

You will drive new business through strong relationships with internal sales teams, brokers and customers, taking deals from initial engagement through to credit approval and completion. Alongside this, you will manage your portfolio throughout the life of each loan, ensuring a consistently high standard of service and risk management.

Our client are seeking applicants with a proven track record in new business development within owner-occupied commercial mortgages, backed by strong financial and credit skills. You will bring resilience, accountability and a proactive approach to growing a high-quality loan book.

This is a field-based role, so you will be based from your home office but will spend a significant amount of time travelling to meet customers managing your area of the South of England and Wales.

Key Responsibilities

New Business Development

• Drive new business in the Commercial Mortgages product through engagement with the Asset Finance and Invoice Finance Sales teams, brokers, and directly with customers.
• Review and triage Commercial Mortgages leads, progressing transactions within credit appetite.
• Negotiate and structure the terms of transactions with customers.
• Prepare comprehensive credit proposals and present these to credit for underwriting.
• Engage with external valuers and solicitors to support underwriting and security perfection.
• Achieve personal annual lending targets agreed with the Managing Director.

Management Information

• Maintain accurate records of leads, opportunities, and transactions in Salesforce to enable reporting on the sales process.
• Prepare and present reporting on sales and credit performance for the senior leadership and credit teams.
• Perform periodic reviews of a portfolio to ensure the mortgages are performing as expected and the information held on our systems is up to date.

Product Development

• Conduct regular reviews of the external competitive environment ensuring the appropriate measures are implemented to grow market share.
• Take an active role implementing new business initiatives and ensure these are transparent and well governed.

Relationships

• Develop and nurture relationships with internal stakeholders (e.g. Credit, Operations and Customer Support & Collections).
• Build and maintain an effective panel of brokers and introducers to source new business opportunities.
• Support Customer Support and Collections colleagues in the management of stressed / forborne exposures and collections & repossessions activities.
• Ensure that all Governance and Compliance requirements are adhered to and all reporting and reviewing activities required by the Regulatory Bodies are carried out to the standards required.
• Exercise appropriate skill, care and diligence in the performance of the role and management of the business.

Candidate Profile

Please apply if you live no further north than the South Midlands, ideal applicants will be located in the M4 corridor but our client are flexible on location to secure the best available.

• Strong experience of owner occupied commercial mortgage lending to UK SMEs.
• Good knowledge of analysing, reviewing and structuring finance transactions.
• Ability to analyse statutory accounts and management information to structure deals with appropriate covenants, affordability logic and mitigants.
• Adaptable and flexible, with a client focused approach.
• Ability to build rapport and communicate effectively with stakeholders at all levels, both internally and externally.
• Results oriented, with a track record of consistently achieving or exceeding targets.
• Self-motivated and highly organised, with the ability to independently manage structured contact strategy.
• Strong commercial acumen and an understanding of industry trends and business drivers.
• Excellent negotiation, presentation and closing skills, with a consultative approach to selling.
• Excellent diary management, with ability to prioritise and coordinate schedules effectively.
• Ability to identify and mitigate risk.

Contact

Please send your CV firstly to Sean Toms at: [e-mail] and then call me on + 44 ( 0 ) 1691 670466 for a confidential discussion.