Commercial Banking - Commercial Banking Executive, Real Estate Finance

The CBE will primarily focus on providing pro-active support to the Director and Senior Banker in the Commercial Banking Team. They will support the team with client acquisition and retention via client contact, but will primarily provide support in the preparation of lending proposals and support the growth aspirations of the Commercial business.

To place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers and to comply with the FCA and PRA's Conduct Rules.


Key Responsibilities


Client service and Sales support

Main point of contact and accountability for clients in respect to their day to day banking
Building and monitoring client relationships
Supporting Senior Commercial Bankers in developing, growing and retaining their portfolio of real estate Commercial Clients, ensuring a quality of service is provided at all times whilst proactively managing a portfolio of clients and help Senior CommercialBankers achieve their targets
Will be competent at identifying new sales opportunities
Develop sales pitches, analysing client book to identify target clients’ needs and attending client meetings to establish strong working relationships
Manage account maintenance procedures – including account opening and account closing
Initiate, discuss and complete Credit Applications on behalf of Senior Commercial Bankers.
Opportunities to present to credit committee will be provided depending on ability
Monitor the return of Facility letters, and completion of lending transactions in Flexcube, the Bank’s loan administration and banking system
Monitor, prepare and/or carry out annual credit reviews
Monitor, prepare and/or complete annual client reviews – maintaining client files in the process
Monitor, review and prepare drawdown recommendations for development loans following a review of Independent Monitoring Surveyor reports

General Administration

Preparing client communications
Preparing account opening forms
Responsible for keeping client records updated
Instigating and maintaining client files
Support the bank’s Change & innovation agenda

Complete user acceptance testing of technology updates, new functionality & systems used in front office as required
Input to change projects to give ideas, input and requirements as required


Compliance/Risk

Complete compliance regulatory exams (as required), adhering to both legal and regulatory requirements
Ensuring money laundering/Know Your Customer procedures are implemented correctly and accurately
Responsible for managing risks inherent to the role by diligently observing internal policies and procedures

Key Interfaces

Take ownership and support other Commercial Banking Executives
Maintain excellent relationships with Private Banking, Wealth Planning, Operations, Treasury and Compliance
Person Specification

Knowledge/Experience/Skill

Experience in Client Facing Roles
Commercial banking and real estate finance experience
Ability to provide a very high level of client service and at all times keeping the client at the heart of everything we do
Detailed and demonstrable appropriate technical knowledge around all areas of Lending in real estate finance
Detailed knowledge of regulatory requirements covering money laundering and criminal activity
Working knowledge of Salesforce CRM system if preferable.
Knowledge of products and services associated with the real estate sector
Multi-tasking capability
Ability to develop a network both internally and externally to mutually benefit the team and the Bank
Ability to work under pressure, deal with a heavy workload and deliver against stretching deadlines
Qualifications
Relevant Banking qualifications.
A good understanding of Banking Systems and be IT literate, and a high understanding of Microsoft Office
Training will be provided where appropriate

Competencies

Working proactively
Performance Focus
Communications and Confidence
Influencing Others
Client Focus
Team Working
About Us

Life, Work and Benefits

Arbuthnot Latham is committed to equal-opportunities for all staff and candidates. We embrace inclusion & diversity and understand why they are critical for the success of our business and people.

Agile working
Competitive salary, pension & holiday allowance
BUPA Health cover
4x Life Assurance
Income Protection scheme
Discretionary bonus
Market leading maternity/paternity and menopause policies
Flexible benefits