Real Estate Relationship Manager, Associate Director

BACB; City Of London; Hybrid; GBP 70,000 - 110,000; Full time

Job summary

BACB in City of London is seeking an experienced Relationship Manager to oversee a portfolio of residential investment and commercial real estate clients. You will identify opportunities, manage risk, and contribute to income targets within risk parameters.

You will sustain strong client relationships, assess credit quality, and work closely with credit committees while delivering bespoke solutions and maintaining high service standards in a hybrid work environment.

Qualifications

• Experienced Relationship Manager with Real Estate and SME background and secured loan experience.
• Strong interpersonal skills to communicate, build relationships, and develop customers.
• Advanced analytical skills.
• Experience marketing BACB products and services.
• Professional network to source new business opportunities.

Responsibilities

• Manage day-to-day relationships and act as first contact for client matters.
• Preserve credit quality and monitor loan facilities and covenants.
• Adhere to Real Estate policy, risk appetite, and governance.
• Deliver high-quality service through regular calls and strong customer service.
• Foster long-term relationships with customers, partners, and stakeholders.
• Prepare robust credit applications and present to credit committees.
• Oversee transaction management from origination to closing, including REF due diligence.
• Analyze operating performance and cash flow implications.
• Ensure compliance with risk procedures.
• Grow Real Estate business by acquiring new creditworthy clients.
• Mentor team members on the job.

Skills

Relationship management

Interpersonal skills

Analytical skills

Marketing experience

Networking

Job description

About Us

BACB is a UK bank that offers trade finance and complementary products to clients in specialist markets, especially Africa and the Middle East.

We have been helping businesses with trade finance and complementary products for over half a century, focusing on trade flows to and from Africa and the Middle East as well as real estate in the UK.

Our in-depth knowledge of the countries and practices where our clients operate ensures that we put them first.

Additional Info

• Hybrid Working: 3 days onsite, 2 from home
• Location: City of London
• Contract Type: Permanent

Job Summary

Responsible for the day-to-day management of a portfolio of existing and prospective client relationships covering both the residential investment and commercial sub segments. To identify, capture, and as appropriate, develop new business opportunities and assist in achieving the income targets of the bank, within agreed risk parameters.

Key Work Outputs and Accountabilities

• Exercise the day-to-day management of current relationships. Act as first line of defence and as primary point of contact for all matters pertaining to the client’s relationship with the bank.
• Preserve and maintain the credit quality of your client portfolio including the monitoring and control of loan facilities and covenants.
• Adhere to Real Estate policy and procedures and risk appetite.
• Demonstrate high quality service levels through a regular calling programme and first-class customer service to ensure strong relationships are maintained and that any issues or queries are resolved quickly and efficiently.
• Foster and develop long term relationships with customers/partners/other stakeholders.
• Demonstrate excellent credit skills and proficiency in writing robust credit applications. Present to senior stakeholders at credit committees.
• Transaction management from origination to closing, including the management of all aspects of REF due diligence (including the negotiation and execution of legal documentation).
• Analysis of property operating performance including net income position and the implications on cash flow, value, and exit position, appraisal of asset management and sponsor business plans, evaluation of property-specific risk.
• Accountable for abiding to risk control self-assessments, governance, compliance, operational and credit risk procedures.
• Manage your portfolio to maximise growth and income targets.
• Grow the bank’s Real Estate business by identifying and establishing profitable relationships with new creditworthy clients through indirect positioning and marketing, research, and client visits. Provide bespoke product and service solutions to match client requirements from within BACB’s Real Estate current and future service range.
• . Assist in the development of members of the team through on the job training where appropriate.

Required Qualifications and Experience

• An experienced Relationship Manager with a Real Estate and SME background, and extensive secured loan experience.
• Strong interpersonal skills with an ability to communicate, build relationships, and develop new customers.
• Advanced analytical skills.
• Experience in marketing of products and services including those comprising BACB’s existing and future product range.
• A network of professional contacts to source new business opportunities.