Director Residential Real Estate Lending

Page Executive; London; Hybrid; Confidential; Full time

Job summary

A prominent financial services firm is seeking a Director of Residential Real Estate Lending to lead the origination and execution of loans between £1m and £30m across the UK. Candidates should have over 8 years of experience in real estate lending and a robust network in the industry. This opportunity offers a competitive salary, performance-linked bonus, and a chance to shape a growing lending platform.

Benefits

Competitive base salary

Performance-linked bonus

Direct access to senior leadership

Collaborative team culture

Qualifications

• 8-12+ years in real estate lending, structured finance, or credit investing.
• Track record of originating and executing residential loans in the £1m-£30m range.
• Strong understanding of UK planning, development, and residential investment markets.

Responsibilities

• Source and originate residential development loans across the UK.
• Lead credit analysis and financial modelling for new transactions.
• Manage the full transaction lifecycle from term sheet to drawdown.

Skills

Origination network

Credit judgment

Negotiation skills

Presentation skills

Market intelligence

Education

Degree in Finance, Real Estate, or Economics

Job description

Overview

Smaller Mid-Market Residential Lending - Deal Size £1m-£30m UK

Well regarded UK investment manager. London or UK wide home-based

About Our Client

This is a permanent opportunity within a respected organisation in the financial services industry. Operating as part of a medium-sized team in London, the company is known for its commitment to excellence in banking and financial services.

Job Description

We are seeking a commercially driven and experienced Director of Residential Real Estate Lending to lead the origination, structuring, and execution of residential property loans across the UK, with a focus on deal sizes between £1 million and £30 million. This role is ideal for a candidate with strong market relationships, deep credit expertise, and a hands-on approach to deal-making in the mid-market space.

Key Responsibilities

• Origination & Market Coverage: Source and originate residential development, bridging, and investment loans across the UK.
• Origination & Market Coverage: Maintain and grow a network of brokers, developers, family offices, and other introducers.
• Origination & Market Coverage: Identify underserved market segments and develop tailored lending solutions.

• Credit & Structuring: Lead credit analysis, financial modelling, and risk assessment for new transactions.
• Credit & Structuring: Structure bespoke lending solutions, including senior, mezzanine, and stretch senior facilities.
• Credit & Structuring: Prepare and present detailed investment papers to the credit committee.

• Execution & Portfolio Management: Manage the full transaction lifecycle from term sheet to drawdown.
• Execution & Portfolio Management: Oversee third-party due diligence (valuations, legal, QS, etc.).
• Execution & Portfolio Management: Monitor ongoing loan performance and proactively manage risks and borrower relationships.

• Strategic Input: Contribute to the fund's lending strategy and deployment targets.
• Strategic Input: Provide market intelligence and competitor insights to inform pricing and risk appetite.
• Strategic Input: Support the development of new lending products and underwriting frameworks.

The Successful Applicant

Candidate Profile:

Experience:

• 8-12+ years in real estate lending, structured finance, or credit investing.
• Demonstrable track record of originating and executing residential loans in the £1m-£30m range.
• Strong understanding of UK planning, development, and residential investment markets.

Skills & Attributes:

• Entrepreneurial mindset with a strong origination network.
• Excellent credit judgment and structuring capabilities.
• Confident communicator with strong negotiation and presentation skills.
• Comfortable working in a lean, fast-paced, and dynamic environment.

Qualifications:

• Degree in Finance, Real Estate, Economics, or a related field.
• CFA, ACA, MRICS, or similar qualifications are advantageous but not essential.

What\'s on Offer

What We Offer:

• Competitive base salary and performance-linked bonus.
• Opportunity to shape a growing lending platform with institutional capital.
• Flat structure with direct access to senior leadership and investment committee.
• Collaborative and entrepreneurial team culture.