Portfolio Manager – Real Estate Loans

About the role

The Portfolio Manager will oversee a portfolio of commercial real estate loans across the UK and Europe, managing the full loan lifecycle from drawdown to repayment. This non‑origination role involves close interaction with borrowers, credit teams and senior stakeholders to ensure risk is effectively managed and performance targets are met.

Key responsibilities

• Manage a diversified portfolio of commercial real estate loans across multiple asset classes.
• Serve as the primary point of contact for borrowers after loan closing.
• Monitor loan performance, covenant compliance, property valuations and borrower reporting.
• Oversee loan administration tasks including drawdowns, amendments, waivers, restructurings, refinancings and repayments.
• Conduct ongoing credit analysis, prepare annual reviews, risk assessments and credit papers.
• Identify emerging risks and work with Credit Risk and senior stakeholders to mitigate them.
• Coordinate with Legal, Agency, Operations and Relationship Management teams to ensure smooth portfolio management.
• Support regulatory, audit, governance and portfolio reporting requirements.

Required profile

• 4‑10 years of experience in real estate finance, portfolio management, credit risk, asset management, commercial banking or structured property finance.
• Proven experience managing commercial real estate loans post‑origination.
• Strong understanding of property finance structures, loan documentation, covenants and security packages.
• Excellent credit and financial analysis abilities, including cash‑flow modelling and property performance assessment.
• Experience preparing credit papers and presenting recommendations to approval committees.
• Exposure to syndicated, bilateral and club lending structures is advantageous.
• Degree in Finance, Real Estate, Economics, Accounting or a related discipline.
• Previous experience within an international bank or established commercial real estate lender.

Required skills

• Credit analysis
• Cash‑flow analysis
• Property valuation