Head of Risk - Real Estate Finance

Posted 22 March by Chamberlain Career Management Limited Easy Apply

Head of Risk, Real Estate Finance

Our client

Our client is an established, well-funded and capitalised UK retail and business bank with a 60+ year trading track record. The Group's diversified lending portfolio currently focuses on three sectors:

  1. Business Finance through its Asset Finance, Invoice Finance & ABL and Real Estate Finance Divisions

  2. Consumer Finance through its Motor Finance and Retail Finance Divisions

  3. Mortgages through its intermediary dedicated Mortgage Division

Customers are at the heart of everything they do, but they can’t achieve the customer focused strategy without the right people in the business. People are their biggest investment, which is why a career with this bank is not just a job. It’s the chance to be part of something bigger, to add real value to the organisation and help constantly improve, in order to achieve their ambition of becoming the best bank in Britain.

They believe in giving staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All employees have a tangible impact on the Group’s core values, and they are looking for candidates who are enthusiastic, proactive and enjoy working in a fast paced environment.

Job Purpose

To play a key senior role in managing Real Estate Finance risk whilst supporting the Banks growth aspirations in a measured and safe way, managing the REF second line of defence team ensuring the assessment and decisioning of Real Estate Finance lending transactions in both Development and Investment sub sectors fall within Credit Risk Appetite whilst also ensuring Operational Risks are properly managed and controlled.

Key Responsibilities:

  • Work together with the Managing Director of REF to support, in a measured way, the growth aspirations of the REF book whilst maintaining a zero tolerance for provision.

  • Lead a team of Credit Managers to provide the highest level of risk assessment and control whilst maintaining a can do supportive attitude.

  • Supply guidance and support to 15 fee earners (and growing) on new lending requests from the Relationship Team, being creative with a proven ability to think outside of the box and restructure transactions as necessary, feeding back to the RD’s as appropriate and seeking clean Credit Committee sign off.

  • Support Senior Management with changes to Risk Structures and Governance, recommending changes to facilitate joined up working practices.

  • Participate in monitoring and control of SME Platforms, Risk Structure and Governance.

  • Provide guidance, opinion and input for new products, acquisitions and new ventures ensuring all are carried out in a compliant way and at satisfactory risk levels.

  • Oversee the Operational Risk function for REF ensuring that the Bank’s delivery is compliant to regulations, whilst supporting safe business growth.

  • Assist the Chief Risk Officer in ad hoc projects as directed.

  • Produce accurate Management Information/Sector Information in line with RiskCo/Exco expectations by keeping records up to date.

  • Ensure the Bank is kept abreast of regulatory changes impacting on the business ensuring that the bank is well placed to make and meet these changes, considering any impact on a short/medium and long term basis.

  • Ensure that procedures are followed to attain a clean internal and external audit review at satisfactory or above.

  • Engender and Live a "oneteam" approach across Real Estate Finance.

  • Ability to work accurately and at pace in a Challenger bank environment.


  • A significant depth of Real Estate experience in a Risk Environment

  • Strong proven technical awareness of all Real Estate products

  • Detailed knowledge of the UK Real Estate market

  • Detailed knowledge of PD and LGD modelling for SME portfolios


  • Educated to degree level or able to demonstrate suitable level of experience

How you’ll be rewarded

This is a chance to join an established UK Challenger Bank that is continuing to grow across the country. As it does so career opportunities will of course be there for the taking for ambitious employees. The bank is offering a competitive base salary, car allowance, pension and other benefits plus a very generous discretionary annual bonus.

Required skills

  • Commercial Lending
  • Credit Risk
  • Leadership
  • Real Estate Transactions
  • Commercial Banking

Reference: 34426485

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