Real Estate Analyst

Role Description

The Wealth Management Portfolio Management team is a newly developed lending services (front office facing) aimed at supporting robust risk management, monitoring and analytics on the structured loan portfolio of the WM division, which offers bespoke lending solutions to High Net Worth / Ultra High Net Worth clients globally. The loan portfolio comprises loans secured against real estate (both residential and commercial), listed and unlisted shares, art, aircraft and other collateral types (physical or financial). The division also has a sizeable presence in the Private Capital Fund Financing industry with an active Capital Call Financing (Subscription Finance) and LP / GP financing business.

Integral to such a bespoke lending suite is ensuring high quality assessment, monitoring and maintenance of a sizeable book with complex collateral types. The Real Estate Intelligence Unit is an integral part of Portfolio Management designed to support the global real estate lending portfolio (including both Commercial Real Estate and Residential Real Estate) for WM division. This includes (i) Real Estate Analysis and collateral monitoring; (ii) valuation co-ordination; (iii) exposure reporting and analytics; (iv) Stress testing support.

Your key responsibilities

• Undertake analytical activities to support Real Estate loan file management including valuation reviews, serviceability assessments, early warning reviews including via covenant tracking, among other functions.
• Support preparation of Real Estate credit submissions for credit approval (initially focussing on annual reviews)
• Support the REIU team head in processing and meeting KPIs
• Ensuring high quality MIS and processes are maintained to support the Real Estate collateral monitoring process
• Support preparation of management info as appropriate (including ad hoc reviews, regulatory enquiries and quarterly stress tests)

Your skills and experience

• Highly numerate, degree qualified
• Demonstrated understanding of financial markets and drivers of real estate valuations
• [For Associates]: 3-5 years experience in Real Estate finance / loan servicing / investments / similar areas with deep expertise in Real Estate underwriting in an institutional banking environment
• [For Analysts]: 1-3 experience in Real Estate finance / loan servicing / investments / similar areas with deep expertise in Real Estate underwriting in an institutional banking environment
• Experience in Commercial Real Estate risk assessment and financing
• Good understanding of process and credit portfolio management in a regulatory environment faced by an international bank