Relationship Manager – Commercial Property / Real Estate Lending - Manchester or Birmingham - P[...]

Howard Lock Consulting Ltd; Manchester; Hybrid; GBP 40,000 - 65,000; Full time

Job summary

A growing consulting firm seeks a Relationship Manager specializing in commercial property and real estate lending. The role involves managing client portfolios, conducting assessments, and establishing strong relationships. The successful candidate will have a proven track record in lending and thrive in a dynamic environment.

Benefits

Competitive base salary

Generous performance bonus

Fully expensed travel

Qualifications

• 3–5 years’ experience in commercial real estate lending.
• Solid understanding of bridging finance.
• Sharp analytical skills interpreting financial statements.

Responsibilities

• Originate and manage portfolios of real estate lending clients.
• Conduct credit assessments and cashflow analysis.
• Lead negotiations on terms and deal structures.

Skills

Analytical skills

Negotiation skills

Stakeholder engagement

Relationship management

Job description

Relationship Manager – Commercial Property / Real Estate Lending - Manchester or Birmingham - Permanent – Ref: 25037

Relationship Manager – Commercial Property / Real Estate Lending - Manchester or Birmingham - Permanent – Ref: 25037

1 day ago Be among the first 25 applicants

Job Title: Relationship Manager x 3 roles

Role Type: Permanent or contract options

Location: Manchester / Birmingham / London – hybrid working

Job Ref: Ref: 25037

Overview:

We’re seeking a dynamic and commercially astute Relationship Manager with a solid background in commercial real estate lending to join our growing team. This is a pivotal role for someone who thrives on building lasting relationships, navigating complex lending structures, and delivering value-driven solutions.

Key Responsibilities:

• Originate, structure and manage a portfolio of real estate lending clients, with a focus on mid-sized to large commercial investments and development finance.
• Provide expert guidance on bridging loans, ensuring swift and compliant execution.
• Maintain and deepen relationships with borrowers, intermediaries, and professional advisors.
• Conduct detailed credit assessments, cashflow analysis, and valuation reviews in collaboration with credit and risk teams.
• Lead negotiations on terms, covenants, and deal structures that align with risk appetite and regulatory requirements.
• Monitor loan performance, proactively managing maturities, refinancing, and potential recoveries.
• Identify cross-sell opportunities and contribute to wider business development strategies.

Candidate Profile:

• 3–5 years’ experience in commercial real estate lending, with demonstrable deal execution track record.
• Solid understanding of bridging finance – both regulated and unregulated – and its application in short-term lending scenarios.
• A relationship-first mindset, with a natural ability to earn client trust and loyalty.
• Sharp analytical skills with confidence interpreting financial statements, property valuations, and market trends.
• Familiarity with credit and compliance frameworks in the UK lending market.
• Strong communication, negotiation and stakeholder engagement skills.

What’s on Offer:

• Competitive base salary with generous performance bonus
• Opportunity to influence and grow a focused portfolio in a collaborative, agile environment
• Work across vibrant UK cities with fully expensed travel as needed

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Customer Service and Business Development

• Industries

  Banking and Financial Services

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