Associate, Real Estate Debt Lending | London, UK

Non-disclosed; London; On-site; GBP 50,000 - 250,000; Full time

Job summary

Join a leading property finance team at a global investment bank, where you will support the Lending Director in managing a substantial loan book. This role offers the opportunity to engage in various real estate sectors, execute new loans, and conduct detailed financial analyses. Ideal for candidates with experience in commercial investment loans, this position promises a dynamic environment where your skills in financial modelling and analysis will be put to the test. If you're ready to take the next step in your career and work on significant transactions, this is the role for you.

Qualifications

• Experience in real estate debt transactions, especially commercial loans.
• Proficient in financial analysis and modelling.

Responsibilities

• Assist in loan execution and management of existing loan book.
• Conduct detailed analysis and prepare credit committee papers.
• Negotiate terms and manage legal execution process.

Skills

Financial Modelling

Analytical Skills

Real Estate Modelling

Property Valuation Principles

Corporate Finance Understanding

Risk Identification

Job description

Our client is a Global Investment Bank with an established property finance team that currently has a loan book of £3bn.

Due to positive market conditions and an increased lending remit for our client, a need has arisen for an Associate level hire to join this leading property finance team. This role is to assist the Lending Director in the origination and management of property loans across a variety of Real Estate sectors.

Main duties will include:

1. Assist with the execution of new loans as well as the management of the existing loan book, including preparation of annual reviews, drawdowns, loan extensions and increases, restructuring and renegotiation of facility terms, as well as ad hoc client requests.
2. Liaising internally with Operations, On-boarding, Credit, in-house Legal and externally with Valuers and Legal Counsel as well as the Origination Consultants, to manage the book and progress new deal opportunities.
3. Construct and interrogate asset-backed and corporate-backed (3-statement model) models from scratch, propose relevant transaction structures (pricing, leverage, covenants, security, etc.), prepare term sheets, and write credit committee papers for new deals.
4. Conduct detailed analysis of new deals, including scenario and sensitivity testing.
5. Perform robust financial analysis of sponsors, guarantors, contractors, and other relevant parties involved in the delivery of new investment projects for both new and existing deals.
6. Attend client meetings, negotiate terms, and assist in presenting deals to the Credit Committee for approval.
7. Following Credit approval, manage the legal execution process alongside in-house and external Legal Counsel, Operations, and On-boarding to complete relevant transactions.

The ideal candidate will have:

• Deal experience on real estate debt transactions, ideally commercial investment loans between £50 - 250m.
• Knowledge of the UK property market is essential.
• An understanding of property valuation principles (comparables, DCF, direct capitalization).
• An understanding of basic corporate finance.
• An understanding of the key terms in real estate finance transactions.
• Proficient financial modelling, valuation, analytical, and numeracy skills, including Real Estate modelling experience.
• Ability to carry out financial analysis of a business.
• Ability to identify relevant material business and credit risks.
• Knowledge of Real Estate procedures including credit and drawdown-related matters.

For more information on this role and our client, please send an updated CV and recent deal list.

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