Real Estate Originator

Itchy Feet; Jersey Marine; On-site; GBP 85,000 - 125,000; Full time

Job summary

Itchy Feet is seeking a Real Estate Originator to join its Offshore Client Real Estate division, focusing on residential and commercial development and investment lending across the UK and Channel Islands. You will build and convert a high-quality pipeline of opportunities and develop client and intermediary relationships.

You will structure transactions, lead negotiations from term sheet to execution, review credit applications, and oversee due diligence, ensuring compliance and timely reviews.

Qualifications

• Proven track record of originating real estate debt in UK/Channel Islands.
• Comprehensive knowledge of property lending across asset sectors.
• Ability to prioritise opportunities by strategic fit and return.
• Strong negotiating skills with high net worth clients and intermediaries.
• Excellent relationship management and ability to handle demanding clients.
• Established sponsor/adviser network in real estate markets.
• Experience structuring real estate lending transactions and documentation.
• Familiarity with cross-border or offshore ownership structures.
• Strong analytical skills for covenant strength and performance.
• Attention to detail and time management.
• Understanding of relevant compliance considerations.
• Proficiency with AI-enabled productivity tools.

Responsibilities

• Originate and arrange property lending opportunities across target markets.
• Analyze new deals: client quality, financials, cash flow, due diligence.
• Structure lending opportunities: pricing, leverage, covenants, security; lead negotiations.
• Review and present credit applications to committees.
• Lead post-credit due diligence: legal docs, valuations, QS reports.
• Manage deals through repayment and annual reviews.
• Coach analysts supporting originated opportunities.
• Ensure operational and relationship excellence with clients.
• Manage wider banking services for real estate borrowers.
• Collaborate across the bank through cross-business introductions.

Job description

Our client seeks a Real Estate Originator to join their Offshore Client Real Estate division, focusing on providing residential and commercial development and investment finance. In this full-time position, you will be responsible for building and converting a high-quality pipeline of new lending opportunities across the UK and Channel Islands. The role includes developing and deepening client and intermediary relationships while originating appropriately structured transactions that align with the team's growth and client objectives.

Job Duties:

• Originate and arrange property lending opportunities within the target markets and jurisdictions, developing a prioritised origination plan.
• Conduct detailed analyses of new deals, including evaluation of client quality, financial analysis, cash flow modelling, and property due diligence.
• Structure new lending opportunities, proposing pricing, leverage, covenants, and underlying security, whilst leading negotiations from indicative term sheet to execution.
• Review and prepare credit applications, presenting transactions to the Real Estate Deal Forum and the Bank's Credit Committees.
• Lead the post-Credit due diligence, reviewing legal documentation, valuation reports, and QS reports.
• Manage each deal through to repayment, ensuring compliance with all conditions and covenants, and conducting on-time annual reviews.
• Provide coaching and guidance to analysts supporting originated opportunities to enhance their technical and client-facing skills.
• Ensure operational and relationship excellence, both internally and externally with clients.
• Manage wider banking services provided to real estate borrowers.
• Collaborate across the Bank through cross-business introductions and referrals.

Job Requirements:

• Proven track record of originating real estate debt in the UK or Channel Islands markets, particularly in development lending.
• Comprehensive knowledge of the property lending market across various asset sectors.
• Ability to prioritise opportunities based on strategic fit and return, with the confidence to decline or reshape unsuitable opportunities.
• Strong negotiating skills with experience in working with family offices, intermediaries, and high net worth property clients.
• Excellent relationship management abilities, capable of multitasking and handling demanding clients under pressure.
• Established connections with sponsors and professional advisers in the real estate markets.
• In-depth experience in structuring real estate lending transactions and associated documentation.
• Familiarity with cross-border or offshore ownership structures is advantageous.
• Strong analytical skills to evaluate covenant strength and business performance.
• High attention to detail and effective time management.
• Understanding of compliance considerations relevant to the role.
• Proficiency with AI-enabled productivity tools to enhance efficiency and decision-making.
• Commitment to integrity and fair treatment of customers.

What You'll Love:

Our client fosters a culture of belonging and inclusion, encouraging you to bring your authentic self to work. They actively seek diverse talent and offer networks, benefits, and development opportunities to support your career journey. Here, innovation thrives when everyone feels respected and empowered to contribute.