Originator - Private Client Real Estate

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Private Client Real Estate Manager

Team Description

This role is within the Private Client Real Estate division, which provides residential and commercial development and investment finance to institutional and private clients. The successful candidate will focus on lending to large family offices, ultra-high net worth property developers, and investors.

Role Overview

The Private Client Real Estate Manager is responsible for originating property loans across various real estate sectors within the UK.

Key Responsibilities

• Origination and Business Development:
  • Identify and arrange property lending opportunities within the team's target markets and jurisdictions.
  • Generate new business in alignment with targets agreed upon with the Team Leader, including preparing and executing business plans to attract new clients.
• Deal Analysis:
  • Conduct detailed analysis of new deals, scrutinizing client quality, performing financial analysis, reviewing cash flow models, and conducting property due diligence.
• Opportunity Structuring:
  • Structure new lending opportunities, proposing relevant pricing, leverage, covenants, and underlying security.
• Negotiation:
  • Lead negotiations between borrowers and the bank from the indicative term sheet stage through to the execution of the relevant transaction.
• Credit Application Review:
  • Review and/or prepare credit applications and present transactions to the Real Estate Deal Forum and the Bank's Credit Committees.
• Post-Credit Due Diligence:
  • Oversee the post-credit due diligence process with the assistance of portfolio managers and analysts, including the review of legal documentation, valuation reports, and quantity surveyor reports.
• Ongoing Deal Management:
  • Collaborate with portfolio managers and analysts to ensure compliance with all conditions and covenants throughout the loan term, including timely annual reviews and management of contractual expiries.
• Cross-Business Collaboration:
  • Work collaboratively across the bank to facilitate cross-business introductions and referrals.
• Team Management:
  • Manage analysts within the team, providing coaching, career progression support, and upskilling opportunities for junior team members.
• Operational Excellence:
  • Ensure operational and relationship excellence, both internally and with clients.

Core Skills and Knowledge

• Real Estate Debt Experience: Proven track record of originating real estate debt within the UK market, with necessary experience in development lending.
• Market Knowledge: In-depth knowledge of the property lending market across various asset sectors.
• Client Identification: Ability to identify target clients in line with the Real Estate team's strategy and the bank's risk appetite.
• Negotiation Skills: Strong negotiation experience with family offices and ultra-high net worth property clients.
• Relationship Management: Excellent networking and relationship management skills, capable of multitasking and managing demanding clients under tight deadlines.
• Industry Connections: Established relationships with sponsors and third-party advisors within the UK real estate market.
• Transaction Structuring: Extensive understanding and experience in structuring real estate lending transactions and associated documentation.
• Financial Analysis: Ability to review and analyze business plans, evaluating covenant strength and cash flow.
• Presentation Skills: Strong presentation capabilities for both internal and external stakeholders, including credit committee presentations.
• Attention to Detail: High level of attention to detail and proactive attitude towards delivering a high-quality client experience.
• Regulatory Knowledge: Understanding of relevant compliance considerations and the regulatory environment.

Additional Attributes (Helpful but Not Essential)

• Professional Qualifications: ACA (or equivalent), CFA (fully qualified), or RICS qualifications are beneficial but not necessary.

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.

Here is a selection of what we offer;

Wellbeing

• Wellbeing Subsidy
• Corporate Gym Membership
• Virtual GP
• Peppy Health App (Fertility, Menopause and Early Parenthood)
• Optional Private Medical & Dental Insurance

Monetary

• Non-contributory Pension
• Discretionary Bonus

Life & Income Protection

• Life Assurance
• Critical Illness
• Income Protection

Travel

• Season Ticket Loan
• Electric Vehicle Scheme

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.

Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same – if the role excites you, please don't let our person specification hold you back. Get in touch!

Recite Me

We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages. This can be accessed by clicking on the ‘Accessibility Options' link at the top of the page.

The Recite Me tool includes a screen reader, styling and customisation options, a series of reading aids, a translator and more.

If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at [email protected] who will be happy to assist.