Senior Director, Portfolio Monitoring – Real Estate

Overview

In this senior role you own a portfolio of complex real estate and property-backed loans, overseeing both credit risk and the customer relationship post-origination. You will lead an India-based analyst team and collaborate with credit committees to drive sound risk decisions. The role combines hands-on credit management with leadership across a multi-sector real estate book. You will deploy forward-looking risk monitoring, draw on AI-enabled processes, and shape how the portfolio is managed at scale. This is an opportunity to influence risk strategy in a growing bank supporting ambitious UK businesses.

Pay / Benefits

• Equity
• 25 days holiday + personalised benefits
• Subsidised private medical insurance
• Enhanced maternity and paternity leave
• Wellbeing and social events; Barista Bar in London
• Volunteering time off; community impact

Responsibilities

• Monitor the lending book through annual reviews, covenant testing, early warning signals, and stress testing.
• Oversee RCFs and loan-on-loan facilities, approving new underlying loans and tracking look-through LTV, interest cover, and security.
• Make in-life credit decisions within delegated authority and advise on higher-risk extensions or waivers.
• Manage distressed credits by defining strategies, negotiating amendments, and restoring performance or exiting without impairment.
• Prepare and defend credit papers for credit committee discussions.
• Lead and develop the team of Directors, allocating workloads and building capability.
• Direct the India analyst team, reviewing outputs and coaching across time zones.
• Engage with external advisors (legal, valuers, PMS) and leverage AI tools to improve book management.

Key requirements

• Extensive UK real estate lending or portfolio management experience (10–15 years) across investment and development, ideally in a bank or specialist lender and across multiple sectors.
• Experience with revolving credit, loan-on-loan, or lender finance facilities, or strong understanding of their structure and monitoring.
• Strong credit appraisal, financial analysis, and modelling skills; comfortable with LMA documentation.
• Experience managing underperforming and distressed credits with restructuring knowledge.
• Proven ability to negotiate and present to senior stakeholders and credit committees.
• Interest in growing back book and cross-selling bank offerings.
• Openness to AI and new ways of working.

• Strategic leadership and team development
• Clear verbal and written communication for senior stakeholders
• Negotiation and conflict resolution
• Credit appraisal
• Financial analysis and modelling
• LMA documentation

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