Commercial Relationship Manager - Real Estate Finance

Metro Bank; Manchester; On-site; GBP 90,000 - 120,000; Full time

Benefits offered by this job

Bonus

Healthcare

Pension

Life assurance

Colleague discounts

Generous holiday allowance

Job summary

Metro Bank in Manchester is seeking a specialist to support Real Estate Finance, acting as the external face to the property market and managing an active portfolio.

You will structure lending deals across residential/commercial portfolios, perform financial analysis, ensure AML/TCF compliance, and collaborate with Credit, Lending & Securities teams.

The role offers a competitive salary, bonus and comprehensive benefits, with opportunities for progression within a One Team culture.

Qualifications

• Specialist sector knowledge in commercial Real Estate Finance.
• Experience in credit origination and deal structuring.
• Strong understanding of Risk, AML and regulatory requirements.

Responsibilities

• Support Head of Real Estate as Metro Bank’s external face to the property market.
• Manage an active portfolio of Real Estate customers and pursue new business.
• Evaluate lending opportunities and financial metrics with risk considerations.
• Gather financial information and perform analysis for lending decisions.
• Develop relationships with market professionals to grow the brand.
• Coordinate onboarding, including KYC and compliance with Financial Crime teams.

Skills

Real Estate Finance

Credit origination

Risk management

KYC

Financial analysis

Job description

What you will do:

• You are key component for delivering the business model for Real Estate Finance.
• Real Estate lending as an Asset Class makes up an increasingly significant part of the Commercial Balance Sheet, and you will support the Head of Real Estate in being Metro Bank’s external face to the property market (customers and professionals) building our brand reputation in this key marketplace.
• Support delivering of Lending and other objectives, responding to internal risk challenges, external market challenges, and regulatory requirements and in some cases be responsible for you own new business objective targets.
• Manage an active portfolio of Real Estate customers and growing the bank with the acquisition of new customers.
• Evaluate lending opportunities and management/testing of financial metrics/conditions, along with ‘Risk’ based considerations
• Gather information from the customer; assess, analyse and interpret financial information such as financial statements, management accounts, profit and loss statements.
• Develop and maintain active and influential relationships with key market professionals and players.
• You will be the face of Metro Bank in the Real Estate market (customers & professionals) building our brand reputation in this key marketplace.
• Manage all aspects of Risk, including Credit, Operational and Regulatory.
• Manage, influence and build an internal network across Metro Bank to ensure a One Team approach for customers and colleagues including maintaining key relationships with other departments such as Credit, Lending & Securities, Lending
• Supporting the customer onboarding experience, including completion of KYC, liaison with customer, as well as Financial Crime and Account Opening Teams.
• Perform any other duties as required that reasonably fall within the scope of the role, adapting to evolving team needs and challenges. Always act with integrity.

And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns.

What you will need:

• Proven specialist sector knowledge within commercial/corporate Real Estate Finance environments.
• Evidence of report writing and deal structuring skills in support of credit origination
• Good awareness and understanding of all aspects of Risk
• You will have experience of regularly delivering transaction sizes between ££5m
• You will have experience structuring and delivering commercial property lending deals across asset classes such as residential investment (BTL & HMOs portfolios), commercial property (including offices, retail, industrial, leisure, PBSA etc), and mixed-use portfolios (residential & commercial use).
• knowledge of commercial banking, property investment and development lending with general wider commercial banking and product knowledge.
• Experience in credit writing (supporting Relationship Managers), financial analysis and report writing for Real Estate transactions.
• Report writing / deal structuring experience, ideally within Real Estate Finance.
• A sound understanding of Financial Crime, AML requirements as well as TCF, conduct and consumer duty expectations and managing/ operating within, risk / regulatory and operational frameworks.
• Establishes and creates long term productive relationships and networks inside the Bank.
• Able to provide KYC support to ensure that we exceed customer expectations in delivering an AMAZEING On-boarding/ account opening experience
• The ability to maximise customer relationships whilst being compliant during customer interactions with awareness of Treating Customers Fairly (TCF)
• Plans own time in the short to mid-term to focus on value adding activity that’s align to our Vision.

Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

Our promise to you…

We believe in “one in, one up” at Metro Bank, growing our own and promoting from within. That is why we are looking for YOU! An AMAZEING colleague to move into this FANtastic new role!

We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts!

We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!).