Relationship Manager, Real Estate Finance

IPOE Consulting Limited; Greater London; Hybrid; GBP 70,000 - 80,000; Full time

Benefits offered by this job

Hybrid working

Job summary

IPOE Consulting Limited is seeking an experienced Relationship Manager to join its specialist property finance team on a permanent basis. You will manage an established client portfolio, maximise retention and identify opportunities to generate further lending activity.

The role covers end-to-end lending processes from initial assessment and credit sanction through to legal completion and drawdown, requiring strong credit analysis and relationship management skills in a property finance context.

Qualifications

• Proven experience in relationship management, portfolio management or underwriting within real estate lending or specialist property finance.
• Strong credit analysis skills with detailed credit applications for complex lending.
• Experience managing lending transactions end-to-end from assessment to drawdown.
• Solid understanding of property finance, borrower assessment and lending risks.
• Ability to build relationships with clients, brokers, and advisers; excellent written and verbal communication.
• Organised and able to manage multiple cases and priorities; proactive in generating repeat business.

Responsibilities

• Portfolio management: manage and develop a dedicated portfolio of existing clients and promote retention and repeat business.
• Credit assessment: own lending cases from BD to credit committee with robust credit applications.
• Financial analysis and due diligence: assess financial information, project viability and risks; due diligence.
• Transaction management: oversee process through to legal completion and drawdown; coordinate brokers, valuers, solicitors and third parties.
• Relationship development: strengthen relationships with clients, brokers and introducers to identify opportunities for repeat lending.
• Pipeline management: maintain oversight of active cases and ensure timely progress within internal timelines.
• Market awareness: monitor property market developments to support client discussions and opportunities.
• Commercial growth: collaborate with BD colleagues to grow the portfolio and sustainable business.

Skills

Relationship management

Portfolio management

Credit analysis

Underwriting

Lending experience

Communication skills

Education

Bachelor's degree in Banking/Finance/Real Estate

Job description

Relationship Manager – Specialist Property Finance

Working arrangement: Hybrid

Contract: Permanent

The Opportunity

Our client, a specialist property finance business, is seeking an experienced and client-focused Relationship Manager to join its team on a permanent basis.

This is a relationship-led role focused on managing and developing an established portfolio of clients, maximising retention and repeat business, and identifying opportunities to generate further lending activity.

The successful candidate will take ownership of lending cases referred by the Business Development team, preparing robust credit applications and managing transactions from initial assessment and credit sanction through to legal completion and drawdown.

This opportunity would suit a commercially aware professional who combines strong credit expertise with excellent relationship management skills and a proactive approach to portfolio development.

Key Responsibilities:

• Portfolio management: Manage and develop a dedicated portfolio of existing clients, maintaining high levels of satisfaction, retention and repeat business.
• Credit assessment: Take ownership of lending cases received from Business Development Managers, preparing comprehensive and accurate credit applications for presentation to the credit committee.
• Financial analysis and due diligence: Assess financial information, borrower experience, project viability and the key risks associated with each lending proposition.
• Transaction management: Oversee the lending process following credit approval, coordinating brokers, valuers, solicitors and other third parties to ensure transactions progress efficiently through to legal completion and drawdown.
• Relationship development: Build and maintain strong relationships with clients, brokers and introducers to identify opportunities for repeat lending and further business.
• Pipeline management: Maintain oversight of active cases, ensuring transactions progress in line with agreed timelines and internal requirements.
• Market awareness: Monitor relevant property market and sector developments to support informed client discussions and identify emerging opportunities.
• Commercial growth: Work collaboratively with Business Development colleagues to strengthen the existing portfolio and contribute to sustainable business growth.

The ideal candidate will demonstrate:

• Proven experience in relationship management, portfolio management or underwriting within real estate lending, specialist property finance or a closely related lending environment.
• Strong credit analysis skills, including the preparation of detailed credit applications for complex lending propositions and property development transactions.
• Demonstrable experience managing lending transactions from initial assessment and credit approval through to legal completion and drawdown.
• A sound understanding of property finance, borrower assessment, project viability and associated lending risks.
• The ability to build and maintain effective relationships with clients, brokers, introducers and professional advisers.
• Excellent written and verbal communication skills, with the ability to present clear, well-structured credit recommendations.
• Strong organisational and time-management skills, with the ability to manage multiple cases and competing priorities.
• A proactive, commercially minded approach, with a focus on client retention, repeat business and long-term relationship development.
• A bachelor's degree in Banking, Finance, Real Estate, Economics or a related discipline is desirable.

The Package

• Competitive salary of £70,000–£80,000 per annum.
• Hybrid working arrangements.
• The opportunity to take ownership of an established client portfolio and contribute to the growth of a specialist property finance business.