Structured Finance Specialist

Senior Manager - Structured Property Finance

The Role

As a Senior Manager within Structured Property Finance, originate and secure transactions for lending on residential and commercial properties, both for development and investment purposes, in line with the Risk Appetite Framework of the Bank. This role requires a commercially driven, positive individual with a proactive mindset and the ambition to grow and develop their career within the Bank.

Accountabilities

Operate within the Banks controls and procedures

• Originate senior structured property debt transactions at appropriate returns
• Structure transactions appropriately, including for example exit and bridging loans, and other tailored lending products
• Relationship management of property transactions throughout their life cycle
• Lead and support contract negotiation processes, ensuring commercially sound and risk-aligned terms are secured.
• Source debt, equity/mezzanine style transactions, as well as consider joint venture and participating debt opportunities, if within the Risk Appetite Framework of the Bank
• Oversee the compilation of credit proposals, transaction due diligence, property analysis, client negotiation, coordinate transaction execution, manage throughout term of the loan and, ultimately, redemptions
• Assist with the loans administration of each transaction (to include liaising with the Bank’s professional team)
• Contribute to the development of the Banks Risk Management Framework, policies and procedures for SPF
• Liaise with the Banks Operations and Treasury teams as required, to ensure appropriate account control and liquidity management respectively
• Minimise losses, where possible, by identifying mitigations and implementing appropriate strategies on any non-performing loans
• Consistently meet or exceed set targets and KPIs, including transaction origination, revenue generation, and portfolio performance metrics
• Support JIB’s commitment to regulatory compliance by adhering to applicable laws, regulations, and internal policies; completing all mandatory compliance training in a timely manner; promptly reporting any actual or suspected breaches; and consistently demonstrating behaviour aligned with JIB’s compliance culture and Code of Conduct.
• Support JIB’s commitment to operational resilience, all employees must adhere to relevant policies, complete required training, participate in exercises, and assist in incident response to ensure continuity of critical business services.
• Adhere to all policies Bank policies and complete all training issued within the required deadlines.

Skills and key competencies

• A strong knowledge of structured property finance and related disciplines, with a minimum of 5-10 years previous experience in real estate finance
• A proven track record in originating and executing transactions
• Familiarity with a range of property lending products, including but not limited to bridging loans, and exit finance
• Commercially astute with strong analytical skills
• Confident decision-maker, with sound judgment and negotiation ability

What we offer:

• Competitive salary and Employee benefits package

• A great work environment in a Central London location

• The opportunity to learn, progress and enhance your skills
• Private healthcare
• Company Pension