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.