Relationship Director - Development Finance

Up to £90,000 + Bonuses

Midlands or London based

Role Purpose for the Relationship Director - Development Finance:

To generate and protect profits by developing and transacting new property development finance business in the Midlands, London & South East and ensuring that risks are mitigated by the efficient structuring, management and control of the loan portfolio and associated activities.

Responsibilities for the Relationship Director - Development Finance::

• Understand the lenders credit policy, lending appetite and proactively identify and action sales opportunities in order to meet business objectives.
• Manage and develop own portfolio of business customers. Meet growth, performance and income targets through the proactive development of new business from professional network.
• Independently analyse opportunities, critically evaluate, prepare and submit applications for new proposals to Credit Committee, ensuring appropriate commentary and analysis to aid decision.
• Proactively manage all transactions from Credit Approval through to completion alongside the new deal team.
• Achievement of growth, income targets and adherence to the lenders standards in respect of operational and regulatory risk both pre-credit approval and in-life.
• Post-drawdown ensure an effective handover is provided to either Associate or Relationship Director who will assume direct responsibility for the connection
• Maintain delivery of a high quality service to customers as required.
• Ensure that all clients are fully compliant with the lenders AML policies and procedures
• Ensure that KYC procedures including the requirements for in-life reviews in accordance with the AML framework on all customer connections are adhered too.
• Build and maintain effective relationships with key business partners to maximise potential growth of business.
• Build knowledge and understanding of relevant markets and customers in order to anticipate and meet their needs.
• Monitor market developments and competitor activity. Recommend and implement appropriate action to ensure the lender competes effectively working closely with the Business Development and Marketing Director within Property Development.
• Demonstrate the highest level of credit stewardship and in-life loan management and actively support the monitoring of credit portfolio and take action as necessary to minimise risk and ensure quality account management.
• Manage relevant Management Information and ensure appropriate action is reported.
• Review credit applications in accordance with policy and take action as necessary to minimise risks and ensure quality account management of the credit portfolio
• Provide input to lenders policy including lending guidelines, product development and overall risk management

Skills and Experience sought for the Relationship Director - Development Finance::

• Able to generate >£40m new business annually
• Build and maintain a portfolio of c30 - 40 projects / customers
• Significant proportion of new business is ultimately written from existing customers
• All credit papers are produced with high level of accuracy and in a timely fashion
• Portfolio well managed with all active sites visited quarterly