Real Estate Analyst (14033)

CFA Institute; Greater London; Hybrid; GBP 55,000 - 75,000; Full time

Job summary

Investec Real Estate is seeking a Real Estate Analyst to support origination and ongoing management of property loans across diverse sectors. You will combine detailed financial analysis with high-quality client service and deal execution.

You will build cash flow models, evaluate structures, and work with internal and external teams to progress opportunities from origination to completion, including syndications when required.

Qualifications

• Knowledge of the UK property market and real estate finance, with development lending experience beneficial.
• Understanding of valuation principles, including the comparable method, discounted cash flow and direct capitalisation.
• Strong financial modelling, valuation, analytical and numerical skills, including real estate modelling experience.
• Ability to carry out thorough financial analysis of businesses and personal net asset value statements.
• Ability to identify material business and credit risks.
• Knowledge of real estate lending procedures, including credit and drawdown matters.
• Understanding of the relevant regulatory environment and the ability to follow appropriate compliance processes and procedures.

Responsibilities

• Manage the existing loan book, including annual reviews, development drawdowns, loan extensions and increases, restructuring, renegotiation of facility terms and ad hoc client requests.
• Work with Operations, On-boarding, Credit and in-house Legal, alongside external valuers, monitoring surveyors and legal counsel, to manage the portfolio and progress new opportunities.
• Build and interrogate asset-backed and corporate-backed cash flow models from scratch.
• Propose appropriate transaction structures, including pricing, leverage, covenants and security, and prepare term sheets and Credit Committee papers for new deals.
• Complete detailed analysis of new transactions, including scenario and sensitivity testing.
• Undertake robust financial analysis of sponsors, guarantors, contractors and other parties involved in the delivery of development or investment projects.
• Attend client meetings, support the negotiation of terms and assist with presenting transactions to Credit Committee for approval.
• Following approval, manage the legal execution process with internal and external Legal Counsel, Operations and On-boarding through to completion.
• Where required, support the Syndication Team with third-party syndications or pre-placements of larger loan facilities, including due diligence and legal execution with partner lenders.

Skills

Financial modelling

Valuation

Analytical skills

Numerical skills

Real estate modelling

Education

ACA or CFA qualifications

Job description

Investec - Where Out of the Ordinary Happens

At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for outperformance, you'll help shape bold solutions for clients who expect something more than the ordinary.

About the team

Investec Real Estate provides residential and commercial development and investment finance to family offices, ultra-high-net-worth individuals, privately owned developers and investors across the UK real estate market.

You'll join the Private Client Real Estate team and work closely with the Head of Private Client Real Estate, Team Leader, Originators and colleagues across Operations, Credit, On-boarding and Legal, as well as external valuers, monitoring surveyors and legal counsel.

What will I be doing?

As a Real Estate Analyst, you'll support the Real Estate Consultants with the origination and ongoing management of property loans across a range of real estate sectors. You'll combine detailed financial analysis with effective transaction execution and a high-quality client experience.

• Manage the existing loan book, including annual reviews, development drawdowns, loan extensions and increases, restructuring, renegotiation of facility terms and ad hoc client requests.
• Work with Operations, On-boarding, Credit and in-house Legal, alongside external valuers, monitoring surveyors and legal counsel, to manage the portfolio and progress new opportunities.
• Build and interrogate asset-backed and corporate-backed cash flow models from scratch.
• Propose appropriate transaction structures, including pricing, leverage, covenants and security, and prepare term sheets and Credit Committee papers for new deals.
• Complete detailed analysis of new transactions, including scenario and sensitivity testing.
• Undertake robust financial analysis of sponsors, guarantors, contractors and other parties involved in the delivery of development or investment projects.
• Attend client meetings, support the negotiation of terms and assist with presenting transactions to Credit Committee for approval.
• Following approval, manage the legal execution process with internal and external Legal Counsel, Operations and On-boarding through to completion.
• Where required, support the Syndication Team with third-party syndications or pre-placements of larger loan facilities, including due diligence and legal execution with partner lenders.

What do I need to bring?

• Knowledge of the UK property market and real estate finance, with development lending experience beneficial.
• An understanding of property valuation principles, including the comparable method, discounted cash flow and direct capitalisation.
• An understanding of the key commercial and legal terms used in real estate finance transactions.
• Strong financial modelling, valuation, analytical and numerical skills, including real estate modelling experience.
• The ability to carry out thorough financial analysis of businesses and personal net asset value statements.
• The ability to identify material business and credit risks.
• Knowledge of real estate lending procedures, including credit and drawdown matters.
• An understanding of the relevant regulatory environment and the ability to follow appropriate compliance processes and procedures.

I am good at

• Working accurately under pressure, managing multiple priorities and responding effectively to demanding client deadlines.
• Paying close attention to detail while managing time effectively and taking a proactive approach to delivery.
• Communicating clearly and building collaborative relationships with clients, colleagues and external advisers.
• Acting with integrity and applying the principles of treating customers fairly.
• Working cooperatively, respecting others, contributing unselfishly and engaging in open and honest dialogue.
• Embracing diversity and helping to create an inclusive, high-performing team environment.

Qualifications and additional experience

ACA or equivalent, or CFA qualifications, are preferred but not essential. Previous real estate finance or property lending experience and knowledge of LMA real estate finance documentation would also be helpful.

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote. We believe that being together enables us to live our values and support our clients and communities in an extraordinary way.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work. You can find a list of our benefits here

Embedded in our culture is a sense of belonging and inclusion. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.

We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.

At Investec, we're deeply invested in our clients, our colleagues, and our communities. It's more than a mindset; it's how we show up every day.

Be part of something Out of the Ordinary.

Recite Me

We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages. This can be accessed by clicking on the 'Accessibility Options' link at the top of the page.

The Recite Me tool includes a screen reader, styling and customisation options, a series of reading aids, a translator and more.

If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at [e-mail] who will be happy to assist.