Investec – Where Out of the Ordinary Happens

At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for outperformance, you'll help shape bold solutions for clients who expect something more than the ordinary.

Role Profile:

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.

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.

Embedded in our culture is a sense of belonging and inclusion. 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. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.

We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.

If this role excites you but you don't meet every requirement, we'd still love to hear from you. Your unique perspective and experience could be exactly what we are looking for.  Get in touch!

At Investec, we're deeply invested in our clients, our colleagues, and our communities. It's more than a mindset; it's how we show up every day.

Be part of something Out of the Ordinary.

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