Portfolio Manager

To oversee and optimise the performance of the loan portfolio across the business, assessing the health of the portfolio and ensuring adherence with internal and regulatory standards. Analyse the risks of the portfolio ensuring they align with the company’s risk appetite, investment strategy, and performance targets. Implement strategies to mitigate potential risks associated with borrower defaults. Show strong commercial acumen and operational discipline in implementing and monitoring the function, with the focus of optimizing performance while managing risks within the lending business.

• Responsible for the day-to-day management of a portfolio of Real Estate Finance loans.
• Assist the team in non-performing loans with work out/restructuring options and implementation as required.
• Ensure loan documentation requirements are adhered to such as processing of payments, preparing recommendation papers and monitoring portfolio performance, including covenant monitoring.
• Work alongside data team to implement bespoke portfolio management interfaces to track and identify key risks within the business and portfolio.
• Form part of the team responsible for negotiating loan amendments including but not limited to enforcement, loan restructures, defaults, alongside lender and borrower negotiation.
• Collaborate with operations team on accounting, reporting and compliance matters to ensure good portfolio management practice.
• Assist in the boarding on new transactions, including reviewed credit committee papers, proposing amends to facility documentation and advising on risks and mitigants.
• Effectively manage external stakeholders including borrowers, lawyers, surveyors and valuers as required.

• University degree.
• Minimum 3 years with an investment, commercial or challenger bank in a similar management role.
• Excellent credit report writing skills and an understanding of risk analysis.
• Ability to handle complex negotiations and work under pressure managing multiple transactions and tasks at one time.
• Attention to detail to accurately identify potential credit risk factors.
• Understanding of the key terms in real estate finance transactions.
• Competence with Microsoft Office, including Word, Excel and PowerPoint.