Portfolio Manager - Development Finance (FTC)

London, England, United Kingdom

7/29/2025

Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions. Our dedicated Development Finance, Wholesale Finance and Specialist Mortgages divisions ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper.

We also provide savings accounts to individuals and businesses and since we lend only to businesses, our savers can be sure their money will be used to boost the British economy.

The bank is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority.

The working pattern of this role is hybrid, with an expectation to be in the office 50% of the time.

For more information, please visit our website: www.htb.co.uk

Our Values and Behaviour

All members of the HTB team are expected to demonstrate values and behaviour that underpin everything that we believe in

Specialist Customer Focus

We engage with customers to understand their needs and we respond by delivering specialist, high quality solutions.

• We listen to our customers and learn from what we hear and act accordingly.
• We are thoughtful and considered about the solutions we deliver.
• We prioritise good customer outcomes.
• We understand and respond to the distinct needs of each customer.
  
  

Delivering Excellence

We uphold excellent standards in all our operations and processes to ensure consistency and accuracy in every

transaction.

• We lead with clarity and purpose.
• We embrace change and we adapt.
• We take pride in doing a good job.
• We embrace an ‘Even Better’ mindset and strive for continuous improvement.
  
  

Unwavering integrity

We act with integrity. We embrace both the spirit and the letter of the legal and regulatory standards. We recognise the value

they add.

• We do the right thing.
• We are transparent in all our dealings.
• We speak up when things are not right.
• We foster a culture of accountability and ownership, not blame.
  
  

Team HTB

We foster a respectful and inclusive culture where colleagues feel valued, empowered and heard.

• We lead by example where trust, respect and positive action is role modelled.
• We recognize others when they achieve and celebrate their success.
• We support each other – together we are stronger.
• We value diversity and we collaborate to achieve as one team.
  
  

Position:

• Ensuring strong credit stewardship is maintained including monitoring loan expiries, interest tranche depletion, construction milestones, sale milestones etc.
• Liaising with and supporting the LD’s, RM’s and CM’s to ensure timely identification of potentially problematic loans.
• Recommending appropriate loan restructurings where appropriate and preparing amendment credit papers and credit memos for EML cases in conjunction with the LD / RM Site inspections to assess progress of development projects in terms of budget, schedule, quality, significant changes and sales/marketing progress.
• Liaising with Quantity Surveyors, other professionals, borrowers and construction teams as appropriate
• Monthly Time Delays & Cost Overrun analysis to identify common issues at early stage
• Cash flow analysis against original credit approved cashflow to identify material variances at a book level
• Smooth implementation of processes and procedures for new credit policies
• Monitoring of Unit sales including early identification of slow sales pace and/or undervalue sales
• Keeping accurate records, maintaining portfolio monitoring systems and preparing regular portfolio reports/reviews for presentation to Committee
• Input into periodic departmental portfolio overview and the annual Credit Risk review of the DF portfolio.
  
  

Requirements:

Qualifications And Experience

You must have:

• Good level of experience in property lending/development finance within a banking or professional property services environment
• Proven track record of developing strong relationships with borrowers, brokers and other professional partners
  
  

Competencies and Attributes

You must have:

• Strong analytical skills
• Understanding of residential property development finance
• A general understanding of building construction (preferable but not essential)
• Strong understanding and appreciation of the current UK property market conditions and trends
• Strong attention to detail
• Ability to travel nationally
• High level of communication skills
  
  

It would be beneficial if you had the following:

• Experience with the following banking tools: Phoebus, Keystone and Tableau.
  
  

Other information:

• To approve advance payments / Materials on Site etc in accordance with delegated authorities
• Input into the development of Keystone and the reporting from the system (including if appropriate Tableau development)
• Work with LDs to develop individual retention plans supporting repeat and new business.