Commercial Banker - Real Estate Finance

Arbuthnot Latham has been associated with banking since 1833. We combine private and commercial banking, wealth planning and investment management. We believe in traditional relationship and service-led banking powered by modern technology.

The key purpose of this role is to deliver a sophisticated Commercial Banking service that caters to the unique needs of Real Estate individuals and businesses with an expected target client value of £3-c.10m

Covering the North West, the other main duties of the role will include:

• Developing and enhancing relationships with both new to bank and existing Real Estate individuals and businesses.
• Providing effective lending to meet the needs of such clients, building a profitable and sustainable portfolio which contributes positively to the AL balance sheet.
• Working professionally and proactively to represent the Bank both externally and internally
• Working closely with Private Bankers and, where appropriate, other Group businesses to encourage internal networks for the referral of business

Key Responsibilies

• Primary relationship management responsibility for a portfolio of Real Estate clients, serving as their strategic partner in the bank and acting collaboratively with other team bankers to provide a gateway to other products and services
• Meet new business development targets and ensure unwavering commitment to service excellence
• Manage a portfolio of liabilities (specialising in the management of a loan book)
• Develop and present business cases and initiate credit proposals that match financial solutions to your clients’ needs
• Overall responsibility for your own risk and regulatory performance as a key member of the banking team, including the client acquisition process
• Manage and develop an extensive network of external business relationships and introducers to acquire, develop and service clients
• Work proactively with the Director, Real Estate/Senior Commercial Banker to develop a strategic business plan for your area, including support in the development of Support staff.

Compliance

• Complete all internal Compliance training
• Follow the Bank’s policies and procedures
• Some First Line of Defense testing work as assigned to the job holder

Interfaces

• Clients – and their representatives and advisers
• Banking team – both locally and across the wider Commercial and Private Banking businesses
• Director, Real EstateBack Office departments including working closely with Credit, Compliance, Portfolio Control and the Operations departments

Person Specification / Knowledge

• An understanding of Real Estate lending with knowledge across the financial services industry and of the sector
• Experience in a client facing role would be beneficialAbility to provide a very high level of client service and at all times keeping the client at the heart of everything we do
• An appreciation of the regulatory requirements that the Bank must comply with, in particular an understanding of anti money laundering processes and criminal activity
• General knowledge of products and services associated with the Commercial Sector
• Multi-tasking capability
• Ability to develop a network both internally and externally to mutually benefit the team and the Bank
• Ability to work under pressure, deal with a heavy workload and deliver against deadlines
• Good organsational skills and taking ownership for own work.
• Being able to identify issues and raise them appropriately with Line Manager
• High levels of accuracy requisite
• A proven track record in developing new business and growing a portfolio of clients is preferred but not essential, however, showing an understanding of sources of business is key.
• Fulfill the responsibilities required under the FCA’s Certification Regimes, and Conduct Rules.
• The role will be a Certified Person under Regulatory rules.

Skills

• Good Interpersonal skills including Networking, Negotiation, Presentation, Influencing and Collaboration
• Awareness of the required Business Development skills
• An understanding of risk analysis and credit report writing skills, incorporating the ability to present effectively to Credit Committee in a way that inspires confidence and credibility is preferred but not essential.
• Competence with Microsoft Office, including Word, Excel and Powerpoint

Qualifications

• A desire to work towards relevant Banking qualifications but this is not essential

1. Competencies
2. Business and Commercial Focus
3. Performance Focus Planning & Reviewing
4. Team Working & Collaboration
5. Communication & Confidence

About Us

Life, Work and Benefits

Arbuthnot Latham is committed to equal-opportunities for all staff and candidates. We embrace inclusion & diversity and understand why they are critical for the success of our

• business and people.
• Competitive salary, pension & holiday allowance
• BUPA Health cover
• 4x Life Assurance
• Income Protection scheme
• Discretionary bonus
• Flexible benefits

Reasonable adjustments

Reasonable adjustments: Please let us know of any adjustments or arrangements that you may need to help you apply to this role or that will help you during the recruitment process. If you wish to discuss any particular requirements or concerns you have because of a disability or medical condition please contact us at [email protected]. Information you provide about any disability or medical condition will remain confidential unless it is necessary to disclose it to other members of staff or outside agencies to ensure the health and safety of yourself and others, or to implement the adjustments you require. In these circumstances we will first discuss with you how and to whom the information may be disclosed.