Portfolio Manager

Leeds | £65,000 Salary |
Hybrid Working (50% Office / 50% Remote)

We are seeking an experienced Portfolio Manager to join a Development Finance team in Leeds. This is a key role focused on overseeing a portfolio of residential development loans, supporting SME house builders across the UK, and ensuring strong credit stewardship throughout the project lifecycle.

Reporting to the MD, Development Finance, you will play a central role in monitoring performance, identifying emerging risks early, and working closely with Lending Directors and Relationship Managers to protect and enhance portfolio quality.

This is a hands‑on position requiring strong analytical capability, commercial awareness, and the confidence to engage directly with borrowers and professional advisers.

• Monitor loan expiries, interest tranches, construction milestones and sales performance
• Conduct site inspections to assess build progress, quality and budget adherence
• Review cashflows and variance analysis against approved models
• Support restructuring recommendations and prepare credit papers
• Complete monthly delay and cost overrun analysis
• Monitor unit sales performance and flag slow sales or undervalue risks
• Produce high-quality reporting for Committee and periodic credit reviews

• Partner with Lending Directors, Relationship Managers and Credit teams
• Build strong relationships with borrowers, monitoring surveyors, valuers and legal advisers
• Contribute to annual credit reviews and portfolio strategy discussions
• Support enhancements in reporting systems (Keystone, Tableau)

• 3–5 years’ experience in property lending or development finance
• Strong understanding of residential development funding structures
• Commercially aware with strong analytical and credit assessment skills
• Excellent stakeholder management and communication capability
  
  Ability to travel for site visits
• Basic construction knowledge (desirable)
• Experience with Phoebus, Keystone or Tableau (advantageous)

You will be detail-driven, proactive in identifying risk, and comfortable operating in a dynamic, project‑based lending environment.