Credit Agency Real Estate (11873)

Investec; London; Hybrid; GBP 40,000 - 80,000; Full time

Job summary

An established industry player is looking for a dynamic individual to join their Real Estate Credit Agency team. This role involves acting as the primary contact for borrowers and lenders, managing complex documentation, and ensuring compliance with legal covenants. The ideal candidate will possess strong analytical skills and a proactive approach to problem-solving, thriving in a collaborative environment. With a focus on internal mobility and a supportive culture, this position offers an exciting opportunity for professional growth and the chance to make a significant impact within the organization.

Benefits

Wellbeing Subsidy

Corporate Gym Membership

Virtual GP

Optional Private Medical Insurance

Non-contributory Pension

Discretionary Bonus

Life Assurance

Critical Illness Protection

Season Ticket Loan

Electric Vehicle Scheme

Qualifications

• Experience in a loan agency role with exposure to real estate.
• Ability to interpret complex credit and security documentation.

Responsibilities

• Act as primary contact for Borrowers and Lending Business Units.
• Review documentation and manage timely receipt of Covenant information.

Skills

Negotiation Skills

Analytical Mindset

Problem Solving

Communication Skills

Emotional Intelligence

Time Management

Tools

Loan IQ

Debt Domain

Job description

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Description of role and key responsibilities

The Real Estate Credit Agency role will be required to act as primary contact for Borrowers, Lending Business Units, Syndicated and Sub Participants in respect of the receipt and distribution of Financial and Legal Covenants, consent and waivers, and all other necessary communications to internal and external stakeholders.

What will you be doing?

• Review of Documentation and set up of Debt Domain, to include Lender data, permissions, folder structure (sub folders if required), launch the site to Lenders, and send invitations to Borrower to upload Covenant/ Financial Information
• Liaise with New Borrowers to ensure they understand how to use Debt Domain to post Covenant Items
• Creation and maintenance of Covenant diary schedules to proactively manage timely receipt of Covenant information
• Tracking all Lender transfers and updating Debt Domain to reflect new Lender pools
• Attending front end Lending Desk meetings to understand strategy and volume changes
• Executing Secondary trade documentation as Agent Bank, including Outside Assignments and where IBP are trade counterparts
• Retrieving KYC information on Outside Assignments
• Collate New Lender With-Holding Tax forms, such as W8 & W9 Ben forms
• Filing relevant documentation in Debt Domain, including permission control and access rights
• Checking Covenant / Financial Information to ensure full legal compliance
• Timely distribution of Covenant Items to syndicate lenders and sub-participants via Debt Domain
• Escalation of Covenant Breaches to Lending Business Unit and communication to Syndicate Lenders and Sub Participants
• Serve as the first point of contact for all Lender and Sub Participant queries regarding Covenants
• Produce Risk Event write-ups and analysis to address gaps and reduce risks
• Manage consent and waiver applications with stakeholders
• Produce Desk Level MI and KRI's for oversight and governance

What are we looking for in you?

Technical knowledge

• Exposure to Real Estate including development deals
• Extensive experience within a loan agency role
• Broad experience with complex products, security, and covenant management
• Ability to interpret and operationalise complex credit and security documentation
• Strong understanding of lending risk environment
• Knowledge of downstream implications like finance, funding, risk reporting
• System knowledge and adaptability in changing technical environments
• Ability to correlate covenants to credit risk and portfolio analysis

Skills

• Negotiation skills for documentation and requirements
• Proactive problem-solving approach
• Ability to work under pressure and manage high volume
• Strong analytical skills
• Excellent communication and relationship management skills
• Drive to facilitate change and improve efficiencies
• Emotional intelligence, coachability, self-motivation, positive attitude
• Accountability and ownership of role

Additional helpful attributes (not essential)

• Knowledge of Investec policies and procedures
• Experience with Loan IQ
• Knowledge of Investec IT Applications and Authorization Processes
• Knowledge of IBP lending products

If this role excites you, click apply today and the team will be in touch soon!

Work Culture & Benefits

Our collaborative & agile culture involves a 4-day in-office week and one remote day. We offer wellbeing benefits, monetary incentives, life & income protection, travel schemes, and foster a culture of belonging and inclusion.

We encourage candidates to apply even if they don't meet all criteria, emphasizing our entrepreneurial spirit. For assistance, contact our Careers team at [email protected]

Accessibility

We provide assistive technology via Recite Me on our Careers pages to support applicants with disabilities or neurodivergence. Contact us at [email protected] for further assistance.

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