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

Team Description:

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.

Description of role and key responsibilities:

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.

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.

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).
•    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:

ACA (or equivalent), CFA (fully qualified) or RICS qualifications 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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