Role Profile

Role Real Estate Originator

Reporting to Head of Offshore Client Real Estate

Team Investec Bank (Channel Islands) / Real Estate

Division Investec Bank (Channel Islands) Limited

Key relationships

Team Leader, Head of IBP Real Estate, IBCI Head of Private Clients, IBCI Head of Financial Intermediaries, IBCI CEO, Real Estate Deal Forum, Credit Committee, Marketing, Compliance, Legal Counsel, Operations, Monitoring Surveyors, Valuers

Description of role and key responsibilities

Who are we? Investec is a distinctive financial services group serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues that bring out of the ordinary thinking, and we put them in environments where they'll flourish. We combine an accessible structure with a focus on internal mobility. The role demands an entrepreneurial spirit and a desire to learn and collaborate to help the business grow and to drive profitability; to deliver a commercial impact for the business. The role: The team is a provider of residential and commercial development and investment finance to institutional and private real estate clients. This role is for an individual to work within the Offshore Client Real Estate part of the business i.e. lending to family offices, high net worth property developers and investors, and through Financial Intermediary corporate structures investing into or structured through principally offshore jurisdictions. The Real Estate Originator will be responsible for building and converting a high-quality pipeline of new lending opportunities for the Offshore Client Real Estate business across Real Estate sectors within the UK and Channel Islands. The role will develop new client and intermediary relationships, deepen connectivity across Investec and originate appropriately structured transactions that support the team’s growth, return, credit quality and client objectives. Key responsibilities: The role will primarily involve the following:

• Originating and arranging property lending opportunities within the team’s target markets and jurisdictions. Target levels of new business generation as agreed with Team Leader. This will involve developing and maintaining a prioritised origination plan covering target clients, intermediaries, sectors and jurisdictions,

• Detailed analysis of new deals, including scrutinising client quality, detailed financial analysis, preparation and/or review of cash flow financial models and property due diligence,

• Structuring new opportunities including proposing relevant pricing, leverage, covenants, underlying security etc., and leading negotiations between borrower and Bank from indicative term sheet stage to execution of relevant transaction,

• Reviewing and / or preparing credit applications and presenting transactions to Real Estate Deal Forum and the Bank’s Credit Committees/Leadership,

• Leading the post-Credit due diligence process, including review of legal documentation, valuation reports and QS reports,

• Leading each deal through to repayment ensuring all conditions and covenants imposed are complied with throughout. Be responsible for on-time annual reviews and contractual expiries,

• Provide clear direction, coaching and transaction leadership to analysts supporting originated opportunities, helping to strengthen their technical, commercial and client-facing capabilities,

• Ensuring operational and relationship excellence, both internally and with clients,

• Responsibility for managing wider banking services provided to real estate borrowers, and

• Collaboration across the Bank through cross-business introductions and referrals.

Essential Criteria

Core Skills and Knowledge: • Track record of originating real estate debt within the UK/Channel

Islands markets, with development lending experience necessary. • In-depth property lending market knowledge across asset sectors. • Ability to prioritise opportunities based on strategic fit, conversion

probability, return and use of team resources and confidence to decline or reshape opportunities that fall outside appetite.

• Strong negotiating skills and experience working with family offices, intermediaries and HNW property clients and their needs.

• Strong networking and relationship management skills, with an ability to react well to pressure while multitasking and dealing with demanding clients, often within tight deadlines.

• Established relationships with sponsors and professional advisers within the UK and/or Channel Islands real estate markets.

• Extensive understanding and experience of structuring real estate lending transactions and associated documentation (detailed term sheets, LMA facility agreements, valuation, construction and property reports).

• Experience of cross-border or offshore ownership structures will be beneficial.

• Ability to review and analyse business plans, including an ability to evaluate covenant strength and strong cash flow understanding.

• Ability to analyse and review financial performance of a business in the context of articulating their financial performance, strength and viability.

• Strong presentation skills – to external and internal audiences, including experience presenting transactions to credit committees.

• High level of attention to detail, time management and a proactive attitude towards delivering a high-quality client experience.

• Understanding of relationship-wide value, including capital-light income and broader banking opportunities.

• Understand and follow all relevant compliance considerations including the regulatory environment and appropriate processes, procedures, and their implications.

• Proficiency in using AI-enabled productivity tools, such as Copilot, to improve efficiency, generate insight and support decision-making. Applies critical thinking and sound judgement when interpreting outputs, remains accountable for the quality and accuracy of their work.

• Regulatory Knowledge as applicable to role (compulsory).

We agree that this document accurately reflects the key responsibilities and associated skills, knowledge

and attributes required for ______________________________ to perform this role at this time. We acknowledge

that it is our responsibility to update this profile as things change.

__________________________________________ __________________________________ Line Manager’s signature Date

__________________________________________ __________________________________ Employee’s signature Date

• To act with integrity at all times and embrace the philosophy of treating our customers fairly (compulsory).

• Strong cultural behaviours of co-operation, collaboration, respect for others, ability to engage in open and honest dialogue, embrace diversity and an unselfish contribution to colleagues, clients, and society.

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

About Investec What’s our culture like? Our company culture is unique amongst our peers and other banks. A vibrant and colourful culture built upon an integrated purpose and with Belonging, Inclusion and Diversity at our heart… a place to bring your best self to work and where you can be truly yourself. Where will you be working? The role is based in our modern office in St Helier, Jersey, offering a welcoming and professional working environment, with on-site changing and shower facilities. Hybrid Working We have a flexible working environment and a unique culture, meaning that colleagues and teams are asked to spend the majority of time in the office. We see great benefit in teams being together, connecting and spending time face to face. The specific working pattern options for this role should be discussed with the line manager.

Role Profile

Role FTC - Credit and Lending Services Legal Officer – 18 Month Period

Reporting to Head of Credit and Lending Services

Team Credit and Lending Services

Division Investec Bank (Channel Islands) Limited

Key relationships

Within organisation:

• Department Heads and relationship managers; • Legal, Compliance, Risk, Finance and Operations colleagues; • Credit Committee members Guernsey and London; and • Investec Bank London and Global Group offices.

Outside organisation:

• Clients; • Auditors; • Solicitors; • Financial Intermediaries; • Surveyors / Valuers; • Brokers; and • External Trust Companies.

Description of role and key responsibilities

Who are we? Investec is a distinctive financial services group serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues that bring out of the ordinary thinking, and we put them in environments where they'll flourish. We combine an accessible structure with a focus on internal mobility. The role demands an entrepreneurial spirit and a desire to learn and collaborate to help the business grow and to drive profitability; to deliver a commercial impact for the business. Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves. This, in turn, 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. The role: As part of the Credit and Lending Services Team, you will support the effective execution, completion and ongoing management of lending transactions throughout the life of the loan. This is a broad, practical role sitting at the intersection of legal support, lending execution, credit process and portfolio administration. You will help to ensure that lending matters are progressed

efficiently, accurately and in accordance with internal legal, credit, operational and risk management requirements, enabling IBCI to maintain the high level of client service, experience and professionalism which is a fundamental and core selling point for the wider high net worth lending business. Key responsibilities: The role will specifically involve:

• Support the completion of lending transactions, including the preparation and completion of lending documentation, and take simple transactions through to completion where required, with support.

• Manage or support lending transactions through to drawdown and beyond, including the monitoring of any credit related matters.

• Provide support and guidance to the lending team on any client or transaction matters that arise.

• Identify, escalate and help to resolve legal, credit, operational or completion related issues in a timely manner, including matters requiring input from the Head of Credit and Lending Services, Credit Committee, relationship managers or external counsel.

• Adhere to IBCI CLS processes and procedures so that legal, credit and operational risk is effectively managed, limited or reduced.

• Manage or coordinate matters to be addressed post drawdown, including standing order and direct debit arrangements, client care letters, outstanding conditions subsequent and related record updates.

• Respond to queries from relationship managers and external parties and provide appropriate progress updates on lending matters where required.

• Maintain the Bank's security and loan records in accordance with internal procedures, ensuring that relevant records are accurate, complete and up to date.

• Support the effective management of the Bank's legal, credit and operational risk in relation to its lending portfolio by following internal processes, escalating issues appropriately, and ensuring that applicable credit limits, approval conditions and credit appetite limits are adhered to.

• Maintain and update client and lending records in the Vision banking system to ensure all records are correct and up to date.

• Assist other members of the Department as and when required. • Instruct and liaise with external counsel, where appropriate and in

accordance with internal procedures, in connection with new loan facilities, renewals, extensions, amendments and related security matters.

• Liaise with relationship managers, clients and external solicitors in respect of the completion of new loan facilities, existing loan renewals and short-term loan extensions.

• Draft, finalise and issue facility documentation in respect of new loan facilities, existing loan renewals, short term loan extensions and amendments.

• Draft, anonymise, finalise and maintain precedent documentation for the CLS precedent document bank.

• Take part and contribute to projects as and when they arise, enabling the team to become more efficient and keep up to date with the latest software and technological changes.

• Identify and raise opportunities to improve CLS processes, strengthen controls and increase efficiency.

• Support reporting activity in respect of lending transactions, portfolio matters, completion status and exceptions, liaising with relevant colleagues as required.

• Review facility documentation drafted by other members of the Department.

• Check new loan completions, facility renewals and short form facility extensions or amendments prepared by other team members, providing sign off at completion, where authorised to do so.

Essential Criteria

Core skills and knowledge: The role will specifically require: Experience and knowledge:

• Legal experience as a paralegal or experienced legal assistant, or relevant experience in credit operations, lending administration or deal management.

• Experience in property transactions, banking and finance, secured lending or loans administration would be advantageous.

• Familiarity with lending documentation, security, completion processes and post completion administration, or a willingness to develop this knowledge.

• Proficiency in using AI-enabled productivity tools, such as Copilot, to improve efficiency, generate insight and support decision-making. Applies critical thinking and sound judgement when interpreting outputs, remains accountable for the quality and accuracy of their work.

Skills and attributes:

• Excellent verbal and written communication skills. • Client focused approach, with a commitment to delivering a high-quality

service to clients and colleagues. • Highly organised, collaborative team player with a commercial mindset. • Enthusiastic and proactive. • Adaptable, resilient and comfortable working in a busy, time sensitive

environment. • Ability to prioritise and manage a varied workload against competing

deadlines. • Willingness to take ownership and drive matters forward to completion. • Enjoys looking at ways to improve and streamline processes. • Methodical, thorough and consistently attentive to detail, particularly in

relation to documentation and records. • Confident user of Microsoft Office, particularly Word and Excel. • Cultural awareness and sensitivity on both an individual and corporate

basis. • Ability to work on an individual basis (self-motivating and self-

prioritising) and within a team.

About Investec What’s our culture like? Our company culture is unique amongst our peers and other banks. A vibrant and colourful culture built upon an integrated purpose and with Belonging, Inclusion and Diversity at our heart… a place to bring your best self to work and where you can be truly yourself. Where will you be working? Guernsey Located in the St Peter Port, Guernsey, our IBCI Head Office boasts a highly flexible office space, changing & showering facilities and an enviable terrace

We agree that this document accurately reflects the key responsibilities and associated skills, knowledge

and attributes required for ______________________________ to perform this role at this time. We acknowledge

that it is our responsibility to update this profile as things change.

__________________________________________ __________________________________ Line Manager’s signature Date

__________________________________________ __________________________________ Employee’s signature Date

overlooking the marina. it offers a comfortable and engaging setting in which to work and connect with colleagues. Jersey Based in St Helier, Jersey, our modern office provides a welcoming and professional environment where collaboration and teamwork are encouraged. With on-site changing and shower facilities, it offers a comfortable and engaging setting in which to work and connect with colleagues. Hybrid Working We have a flexible working environment and a unique culture, meaning that colleagues and teams are asked to spend the majority of time in the office. We see great benefit in teams being together, connecting and spending time face to face. The specific working pattern options for this role should be discussed with the line manager.

Role Profile

Name

Role Chief Risk Officer

Reporting to Chief Executive Officer

Team Compliance & Risk

Division Investec Bank (Channel Islands) Limited

Key relationships

Within organisation: IBCI Board

• IBCI Leadership Team • All IBCI staff • Investec Bank plc – CRO, Head of Compliance, Head of Ops Risk and

Head of Financial Crime • Investec Bank plc and Investec Group – Risk functions – Credit, ALM,

market, operational • Internal audit

Outside organisation: • External auditors • Regulators • Local Financial Crime Units

Description of role and key responsibilities

The role: The Chief Risk Officer (CRO) is accountable to the Board for the integrity and effectiveness of IBCI's enterprise-wide risk management, compliance and financial crime frameworks. Whilst ownership of risk rests with the first line of defence, the CRO leads the Bank's independent second line of defence, providing objective oversight, constructive challenge and assurance to the Chief Executive Officer (CEO), Leadership Team and Board. The CRO helps ensure the Bank operates within its Board-approved risk appetite while supporting the delivery of the Bank's strategic objectives. The role is expected to build strong partnerships across the business, enabling informed decision-making whilst preserving the independence and integrity of the Bank's control environment. The CRO promotes a strong risk and governance culture across the Bank, ensuring that effective risk management supports safe, sustainable and commercially sound decision-making.

Key responsibilities: Enterprise Risk & Governance

• Lead the development, implementation and ongoing enhancement of IBCI's enterprise risk management framework.

• Develop, quantify and maintain the Bank's Risk Appetite Framework, recommending risk appetite and tolerances to the Board for approval and ensuring they remain aligned to the Bank's strategy and operating environment.

• Monitor and report adherence to the Board-approved Risk Appetite Framework, escalating material issues where appropriate.

• Identify, assess, monitor and report existing and emerging risks across the Bank.

• Ensure appropriate governance frameworks, policies and controls are maintained across the organisation.

• Maintain oversight of the Bank's principal risk categories, including operational, conduct, financial crime, regulatory, strategic, reputational and technology risks.

• Support the continued development of an effective Three Lines of Defence model.

• Act as custodian of the Bank’s governance framework, ensuring governance arrangements remain effective, proportionate and aligned with the Bank’s strategy and regulatory expectations.

Board, Regulatory & Executive Leadership

• Provide independent advice and constructive challenge to the CEO, Leadership Team and Board on matters relating to risk, compliance and financial crime.

• Chair the IBCI Executive Risk Committee. • Provide and ensure the Board and senior management receive timely,

balanced and forward-looking information to support effective oversight and decision making.

• Support the Board and senior management in understanding their risk management and regulatory responsibilities.

• Act as one of the Bank’s principal points of contact with prudential and conduct regulators on matters relating to risk and the control environment.

• Develop effective working relationships with Investec Group Risk, Compliance and Financial Crime teams to ensure alignment with Group policies and standards.

Risk Management & Regulatory Oversight

• Oversee the effective identification, assessment, monitoring and management of risks that could impact the Bank's objectives.

• Ensure risk management frameworks, policies and procedures remain effective, proportionate and aligned with regulatory expectations.

• Lead the independent risk contribution to ICAAP, stress testing and capital planning, working closely with the CFO to ensure these processes support strategic decision making.

• Support the ongoing development of the Bank's operational resilience and business continuity arrangements.

• Maintain oversight of the Bank's compliance and financial crime frameworks.

• Ensure material risks and control issues are appropriately escalated and addressed.

Strategic Partnership & Transformation • Partner with business leaders to provide practical, commercially

balanced risk advice that supports sustainable growth. • Provide independent challenge and guidance on strategic initiatives, new

products, client propositions and significant change programmes. • Support the Bank's transformation agenda by ensuring risks are

identified, understood and appropriately managed. • Promote a culture where effective risk management enables informed

decision-making rather than acting as a barrier to progress. Leadership & Culture

• Lead and develop a high-performing Risk, Compliance and Financial Crime team.

• Develop capability within the second line to support the future needs of the Bank.

• Promote a positive and pragmatic risk culture through coaching, communication and collaboration.

• Build strong working relationships across the organisation whilst maintaining independence of judgement.

• Develop succession plans and support the ongoing development of team members.

Essential Criteria

The successful candidate will have strong banking risk experience together with the leadership capability, judgement and credibility to lead the Bank's independent Risk function.

Risk

• Senior leadership experience within a banking risk function. • Strong understanding of enterprise risk management across credit,

operational, conduct, financial crime, compliance, prudential and strategic risk.

• Strong understanding of prudential regulation, risk appetite frameworks, ICAAP, stress testing and capital management principles.

• Experience engaging with Boards and Executive Committees, including preparing and presenting high-quality risk reporting and providing independent challenge to senior stakeholders.

• Demonstrable experience developing and operating Board approved Risk Appetite Frameworks.

• Experience building constructive and credible relationships with prudential and financial regulators and managing regulatory engagement.

• Experience supporting significant organisational change and transformation programmes.

• Experience operating within, or working closely alongside, an international banking group.

Leadership

• Proven ability to influence, challenge and advise Executive Teams and Boards.

• Strong commercial judgement with the ability to balance growth ambitions and prudent risk management.

• Ability to build trusted relationships across the organisation whilst maintaining independence of judgement.

• Excellent written and verbal communication skills. • Strategic thinker with the ability to translate complex risks into practical

business decisions. • Demonstrated leadership capability with experience managing and

developing teams. • Collaborative approach with the ability to support the business whilst

maintaining appropriate independence.

We agree that this document accurately reflects the key responsibilities and associated skills, knowledge and

attributes required for ______________________________ to perform this role at this time. We acknowledge that it is our

responsibility to update this profile as things change.

__________________________________________ __________________________________ Line Manager’s signature Date ___________________________________ __________________________________ Employee’s signature Date

• Exercises sound judgement and makes balanced, evidence-based decisions, demonstrating the confidence to provide independent challenge where required.

General • Degree or equivalent professional experience. • Relevant professional qualification in risk, banking, finance, audit or

compliance would be advantageous. • Strong analytical and problem-solving skills. • High levels of integrity, professionalism and personal credibility. • Self-motivated with a commitment to continuous learning and

development. Regulatory and Control Environment

• Strong understanding of banking compliance, financial crime and regulatory requirements.

• Experience working with or overseeing compliance and/or financial crime activities within a regulated financial services environment.

• Excellent understanding of AML, sanctions, conduct risk and regulatory obligations applicable to banking.

• A recognised compliance, risk or financial crime qualification (or willingness to obtain one) would be advantageous but is not essential.

About Investec What’s our culture like?

Our company culture is unique amongst our peers and other banks. A vibrant and colourful culture built upon an integrated purpose and with Belonging, Inclusion and Diversity at our heart… a place to bring your best self to work and where you can be truly yourself. Where will you be working? Located in the St Peter Port, Guernsey, our IBCI Head Office boasts a highly flexible office space, changing & showering facilities and an enviable terrace overlooking the marina. Hybrid Working We have a flexible working environment and a unique culture, meaning that colleagues and teams are asked to spend the majority of time in the office. We see great benefit in teams being together, connecting and spending time face to face. The specific working pattern options for this role should be discussed with the line manager.

Role profile

Role title Analyst

Reporting to Head of Offshore Client Real Estate

Team Investec Bank (Channel Islands) Limited - Offshore Real Estate

Division Specialist Bank

Key relationships Team Leader, Originators, Portfolio Managers, Real Estate Deal Forum, Credit Committee, Valuers, Monitoring Surveyors, Legal Counsel, Operations, On-boarding, Compliance, Financial Intermediaries, Group / cross-business referral partners

Regulatory status Certified person (CP): ☐ Yes ☒ No

If CP, please confirm:

(i) The type of certified function(s) performed

For guidance see Role descriptions – help with defining Certified Persons

Please tick as many as applicable: ☐

Material Risk Taker (MRT) ☐

Client-dealing function ☐

Requires FCA qualification ☐

Supervisor/manager of a CP ☐

Qualifications

(ii) Mandatory professional qualifications and exams (required for the role)

ACA, CFA or RICS qualifications (whether held or being studied towards) are beneficial but not necessary.

Team description A provider of residential and commercial development and investment finance to institutional and private clients.

This role is for an individual to work within the Offshore Client Real Estate part of the business i.e. lending to family offices, high net worth property developers and investors, and to borrowers structured through corporate structures.

Description of role and key responsibilities

This role is to provide analytical and execution support to the Originators and the wider Offshore Client Real Estate team, assisting in the origination, structuring and ongoing management of a portfolio of real estate loans across the Channel Islands and the UK. The role will primarily involve the following:

• Building debt cash flow, scenario and sensitivity models, and return / pricing analysis to support disciplined growth and data interrogation,

• Preparing term sheets and credit papers for Originator review, including proposing structuring (pricing, leverage, covenants, security, etc.),

• Detailed analysis of new deals, including scrutinising client quality, scenario and sensitivity testing, review of cash flow models and property due diligence,

• Robust financial analysis of sponsors, guarantors, contractors and other relevant parties involved in the delivery of new development or investment projects,

• Proactively supporting the management of the existing loan book to agreed strategies – covering annual reviews, development drawdowns, loan extensions and increases, renegotiation of facility terms and ad-hoc client requests,

• Liaising with and navigating internal teams and systems (Operations, Valuers, Monitoring Surveyors, Onboarding, Credit and Legal Counsel) and external partners to manage the book and progress new opportunities,

• Attending Client meetings, preparing credit applications and supporting the presentation of transactions to the Real Estate Deal Forum and the Bank’s Credit Committee,

• Supporting the post-credit legal, valuation and due diligence process, including review of legal documentation, valuation reports and QS reports,

• Supporting credit stewardship and book hygiene, ensuring conditions and covenants are complied with and that annual reviews and contractual expiries are kept up to date,

• Embedding templates, tools and AI / technology into the lending workflow, and utilising data sources and management information (e.g. Vision / CRM / credit data), to enhance insight, create capacity and reduce deal cycle times,

• Supporting the Offshore Real Estate team in the completion of project work.

Core skills and knowledge:

• Strong financial and quantitative modelling skills, including the ability

to build debt cash flow models and produce scenario, sensitivity, pricing and return analyses.

• Practical fluency with technology and AI tools, with an aptitude for adopting automation, templates and tooling across the lending process.

• Ability to turn data and management information into clear, actionable insights.

• An understanding of valuation principles.

• An understanding of the key terms in real estate finance transactions.

• Ability to carry out financial analysis of a business and to identify relevant material business risks.

• High level of numeracy and attention to detail, with strong organisational and time-management skills.

• A proactive attitude to deliver for clients, with the ability to work to tight deadlines and react well to pressure while multitasking.

• Strong relationship and communication skills, with the ability to liaise effectively across internal teams and external partners.

• Knowledge of the property market and of property lending, with development lending experience is beneficial.

• Knowledge of Real Estate procedures including credit and drawdown related matters is beneficial.

• Understand and follow all relevant compliance considerations including the regulatory environment and appropriate processes, procedures, and their implications.

• Regulatory Knowledge as applicable to role (compulsory).

• To act with integrity at all times and embrace the philosophy of treating our customers fairly (compulsory).

• Strong cultural behaviours of co-operation, collaboration, respect for others, ability to engage in open and honest dialogue, embrace diversity and an unselfish contribution to colleagues, clients, and society.

Any other attributes that would be helpful, but not essential for the role.

Previous real estate finance or property lending experience, and knowledge of credit and loan documentation. Familiarity with the Channel Islands / Crown Dependencies market and structures.

This role description accurately reflects the key responsibilities and associated skills, knowledge and attributes required for to perform this role at this time. It is the responsibility of the employee and manager, to update this profile, (and store against the employee’s record), as responsibilities, required skills and knowledge changes.