Director, Commercial Real Estate

Standard Chartered; Liverpool; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

A leading international bank in Liverpool seeks an experienced Origination Banker to provide well-structured financing solutions for clients. The ideal candidate will have over 8 years of experience in commercial or investment banking, focusing on Commercial Real Estate. The role demands strong analytical and communication skills, with a commitment to risk management and governance. Competitive salary and flexible working options are offered.

Benefits

Competitive salary

Flexible working options

Wellbeing support

Continuous learning culture

Inclusive environment

Qualifications

• Minimum 8 years in a commercial or investment banking role focused on Commercial Real Estate.
• Experience in managing conduct and risk management.
• Capable of building trusted relationships with stakeholders.

Responsibilities

• Deliver risk-optimal financing solutions.
• Formulate business strategy for Commercial Real Estate Financing.
• Lead and develop team capabilities.

Skills

Strong analytical skills

Communication skills

Financial evaluation

Attention to detail

Ability to excel in team settings

Strong work ethics

Ability to deliver under time pressure

Education

Relevant qualification or degree from a top-tier school

Job description

Job Summary

Our Origination Bankers help clients access loan, bond and structured funding markets financing solutions. They engage with senior client stakeholders across markets and sectors, financing risk, banking and coverage relationship managers, financial markets sales, sustainable finance and credit risk and several other subject matter experts to structure these solutions.

You’ll be accountable for delivering well-structured, returns accretive, risk-optimal financing solutions, to our clients. You'll have a strong understanding of primary credit markets, key industry developments within the business line you’re supporting, fundamentals of valuation and risk assessment and adept at negotiating, communicating and influencing stakeholders in decision making.

Process

Strategy

Responsible in assisting the implementation of the CRE strategy.

• Formulate the business strategy for Commercial Real Estate Financing (‘CRE) in the context of the overall Global Banking, client, and bank strategy.
• To execute and facilitate origination with client teams and across products to identify and target transactions and cross-sell opportunities.
• Organize and drive business success through improvement in client penetration and profitability in conjunction within Global Banking and coverage partners.
• Build trusted relationships with Promoters, C‑Suite and Sponsors through providing financing solutions.

Business

• Ensure transaction structures are in line with client requirements, market standards and the Bank’s internal parameters.
• Oversee robust deal selection, conflict resolution and risk management to ensure the business is consistent with the strategy and risk appetite of the Bank.
• Produce and maintain accurate forecasting and financial oversight of the business.

Processes

• Manage business and risk management process issues by interacting (where required) with representatives on various risk, governance, and control committees.
• Ensure deals are properly screened and selected in line with the Bank’s strategy and risk appetite.
• Provide oversight of portfolio risks through the portfolio reviews and escalate to senior management/risk forums where required.

People & Talent

• Lead through example and build the appropriate culture and values.
• Set appropriate tone and expectations from the team and work in collaboration with risk and control partners.
• Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
• Employ, engage, and retain high quality people, with succession planning for critical roles.
• Responsibility to review team structure/capacity plans.
• Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.

Risk Management

• Enforce a culture of risk management, control, and governance, and ensure teams comply with the risk management processes in place. This includes (but not limited to) compliance with country-level Portfolio Standards, Underwriting Standards, Credit Underwriting Principles (‘CUP’), PPGs.
• Through assignment to direct reports, for regions and businesses under area of responsibility, ensure that adequate and appropriate systems, control, and procedures are in place to comply with Group and Business policies, procedures, standards, and codes, including those governing all Risk types, compliance, Technology and Operations, Finance and Reputation.
• Proactively advise on and monitor all major risk issues and portfolio concentrations with Portfolio Analytics & Monitoring (‘PAM’). Where appropriate, direct remedial action and/ or ensure adequate escalation and reporting to the Board and its Risk Committees.

Governance

• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
• Accountable for escalation from within CRE and/or other Group governance committees or stakeholders in senior management, risk, or control functions.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, elevate, mitigate, and resolve risk, conduct and compliance matters.

Key stakeholders

• Clients of the Bank
• Client Coverage
• Global Banking MT / CCIB MT
• Regional CCIB Head
• Regional & Country CEOs
• Capital Markets
• Other CIB verticals e.g., Markets, Transaction Banking
• Credit Risk
• Internal Audit
• Legal & Compliance
• Human Resource
• Managers with similar responsibilities in other functions
• Regulatory bodies, business chambers and other industry associations

Our Ideal candidate

• Relevant Qualification with relevant Industry experience or Degree or post graduate qualified from a top‑tier school
• Strong analytical and communication skills
• Prior experience, minimum 8 years in a commercial or investment banking role focussed on Commercial Real Estate
• Solid financial evaluation and excel abilities
• Ability to excel in both team and self‑directed settings
• Strong work ethics, detail orientation and a passion for excellence
• Attention to detail
• Ability to deliver under time pressure
• Track record of working as a team member

ROLE SPECIFIC TECHNICAL COMPETENCIES

• Manage Conduct
• Risk Management and Internal Controls
• Manage People
• Compliance – Governance, Oversight and Control
• Risk Management – Market / Liquidity
• Business – Strategy and Model
• Business – Market Knowledge
• Product - Securitisation
• Product – Credit Derivatives
• Product – Structured Derivatives and Swaps

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time‑off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market‑leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first‑aiders and all sorts of self‑help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies – everyone feels respected and can realise their full potential.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this means your application has progressed to an important stage of our recruitment process.

Visit our careers website: www.sc.com/careers

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