Portfolio Manager

Stellar Select Limited; City Of London; Hybrid; GBP 80,000 - 100,000; Full time

Job summary

A growing finance lender in North London seeks a Portfolio Manager to manage a large loan portfolio. This role focuses on servicing and recovery strategies, requiring expertise in special loan servicing and risk management. The ideal candidate will engage with borrowers to find sustainable solutions and ensure compliance with regulations. This position offers significant responsibility and potential for leadership development.

Qualifications

• Proven experience in special loan servicing.
• Strong track record in managing distressed loans.
• Solid understanding of loan portfolio management.

Responsibilities

• Oversee servicing of a diverse loan portfolio.
• Implement strategies for maintaining portfolio quality.
• Engage borrowers to agree on sustainable solutions.

Skills

Loan portfolio management

Negotiation skills

Financial analysis

Risk management

Relationship management

Job description

Location: North London – Hybrid, 1 day a week in the office.

Salary: Depending on experience, plus incentives linked to loan book arrears reduction

Hours: Monday to Friday 9:30am to 5.30pm

About the position of Portfolio Manager – Bridging & Development Finance:

Are you an experienced Portfolio Manager in Bridging & Development Finance? We’re seeking a talented professional to take full ownership of a large loan portfolio at a growing bridging & development finance lender. This is a standalone role with substantial responsibility and significant potential, as the loan book continues to expand.

In this role, you will monitor and manage loan performance across a portfolio focused on residential and development-backed assets. Work directly with borrowers to implement structured solutions, including payment plans and term extensions. Handle complex workouts and coordinate with LPA receivers when enforcement becomes necessary. Play a key role in shaping the servicing and recovery strategy of a specialist bridging lender.

This opportunity has the potential to develop into a leadership position

Responsibilities for the role of Portfolio Manager – Bridging & Development Finance:

• Oversee the servicing of a diverse loan portfolio, ensuring accurate records and proactive monitoring of performance.
• Track arrears and defaults, implementing strategies to maintain portfolio quality and reduce risk.

Arrears & Recovery:

• Engage with borrowers in financial difficulty to agree on sustainable solutions such as payment plans or term extensions.
• Lead complex loan workouts and coordinate with LPA receivers where enforcement is necessary.
• Review and assess options for distressed loans, recommending the best outcomes for both business and borrower.

Compliance & Reporting:

• Ensure all activities meet regulatory and statutory requirements, maintaining accurate documentation at all times.
• Produce detailed MI reports and trend analysis to inform decision-making and improve servicing strategies.
• Conduct regular audits and implement quality assurance measures to maintain operational excellence.

Stakeholder & Third-Party Management:

• Build strong relationships with external partners, including valuation providers and legal representatives, ensuring adherence to SLAs and KPIs.
• Participate in governance meetings, preparing agendas and delivering updates on loan performance and recovery actions.

Experience and skills required for the role of Portfolio Manager – Bridging & Development Finance:

• Proven experience in special loan servicing, within bridging and development finance.
• Strong track record of managing distressed loans, arrears, and complex workouts, including handling enforcement and coordinating with LPA receivers.
• Solid understanding of loan portfolio management, including monitoring performance, identifying risk, and implementing recovery strategies.
• Experience producing and analysing management information (MI), trend analysis, and reporting to inform strategy and decision-making.
• Excellent negotiation and communication skills, with the ability to engage borrowers effectively and secure positive outcomes.
• Strong case management and documentation skills, ensuring regulatory and statutory compliance.
• Ability to build and manage relationships with third-party suppliers, legal representatives, and other stakeholders, ensuring SLA and KPI adherence.

Stellar Select is acting as an employment agency and is a corporate member of the REC.

Equal Opportunities Statement: We are an equal opportunities employer and welcome applications from all qualified candidates.