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Team Head - Real Estate Finance

Location London
Department Corporate Banking
Mergefield Title {Mergefield Value}
Mergefield Title {Mergefield Value}

This is a Permanent, Full Time vacancy that will close in {x} days at {xx:xx} BST.

Corporate Banking is a client facing department, responsible for marketing, onboarding and ongoing management of the client relationship, providing loan business to the clients as well as promoting ancillary business according to the Bank’s business strategy and risk appetite. As a Team Head – Real Estate Finance, you will be responsible to develop the Bank’s lending business with clients in this sector in accordance with the Bank’s business strategy, risk and compliance requirements. This is a full time permanent position.

Key responsibilities

  • Oversee the origination and execution of all aspects of Real Estate Finance (REF) investment and development business including structuring, negotiation, credit analysis and documentation
  • Manage and review the preparation of detailed business proposals, credit analysis and financial modelling to drive the business approval process of the Bank
  • Collaborate with in-house and external lawyers to complete appropriate facility and security documentation
  • Review and provide feedback on property, tax, financial and legal due diligence reports, such as Overview of Certificate on Titles, Right of Lights, Monitoring Surveyor Report, Environmental Report and Valuation Report
  • Implement post-lending management for the REF credit portfolio. Regularly monitor the risk profiles of clients in the portfolio alongside industry developments
  • Coordinate inside the Bank to provide high quality products and services to clients. Where relevant, liaise with Head Office and the domestic network to support the development of the business for Bank of China London and the Group’s existing and target clients
  • Drive the cross-selling of various Corporate Banking products including bilateral and syndicated loans and where relevant, deposits, cash management, interest rate derivatives, bond issuance and RMB business
  • Lead the Team to fulfil KYC and KYB requirements, and any other legal and compliance requirements per internal and regulatory policies
  • Lead the Team to complete a variety of other administrative duties to assist the development of client relationships and the smooth operation of the department including maintenance of accurate client/credit files
  • Collaborate with other departments by producing statistics and analysis for the portfolio including management of industry limits
  • Undertake regular market and industry research
  • Attend external industry seminars and conferences       

Requirements

  • Degree educated or higher in Finance or Accounting
  • Proven track record in Origination/Client Coverage/Portfolio Management within REF in a major international banking group
  • Demonstrable management experience in a similar role
  • Comprehensive understanding of financial analysis, industry and strategic analysis in the REF sector
  • Extensive knowledge of all commercial real estate asset classes including offices, retail, hotels, student accommodation and development finance with the UK and ideally the broader EMEA region
  • Deep understanding of finance and security documentation, both bilateral and syndicated
  • Extensive network of third party professionals such as valuers, monitoring surveyors and legal counsel
  • Comprehensive knowledge of banking products and risks associated with them
  • Proven analytical skills, business judgment and acumen
  • Solid leadership skills with an ability to inspire and motivate a team
  • Excellent interpersonal and communication skills to establish credibility and trust with stakeholders

Having a presence in the UK for more than 90 years, Bank of China London Branch has been providing an excellent financial service to the market and maintain its competitive edge as an international bank operated in the UK. It has employees in over 33 countries, and it is one of the most internationalised overseas branch in the Bank of China Group. The Bank values the diversity of its employees and aims to create an inclusive environment where everyone can speak up and enjoy the equal opportunities to grow both personally and professionally.  

We strive to offer you a continuous learning environment and we will invest in your development. We provide personalised and varied learning tools to support your growth and career through: 

  • access to the best in class qualifications from leading professional bodies such as the Professional Bankers Certificate and Green & Sustainable Finance Certificate from the Chartered Banker Institute 

  • 24/7 on-demand access to over 600 e-tutorials to build and refresh core and advanced banking knowledge 

  • regular pan-bank stay connected sessions to keep in touch with what is going on across the bank and build your network 

  • exploring your unique and collective strengths and development areas to become the best version of yourself using the globally renowned Insights personality profile 

  • developing our People Managers to help coach and guide you towards success, through our 9-month People Manager Development Programme  

  • encouraging a “growth” personal mindset and promoting continuous professional development (CPD) through annual events such as Learning at Work Week 

  • embracing change in a fast-moving industry and encouraging a forward-looking perspective on career development to “future-proof” your career 

  • promoting cross cultural intelligence and to seek out diverse and inclusive perspectives on challenges faced and their solutions 

We provide an attractive and comprehensive benefits package, offering flexibility that can enable you to select the benefits that suits your needs, including: 

Celine Luo
Assistant Vice President, Financial Crime and Compliance

Bank of China is a great platform for everyone who wants to gain different knowledge and self-development. I started as a Junior Associate and had the opportunities to gain invaluable working experience in two different departments. I am happily working here, as an Assistant Vice President in the Financial Crime and Compliance department. I believe I will continue to grow here, not only in my career development but also in my personal wellbeing.

Daniel Shulakov
Senior Associate,
Credit Management

I joined Bank of China as a university graduate and I believe I have found the best place for me. From the first day my priority was always to learn. This was quickly recognised by my department, which provided me with the platform to grow, and my colleagues have been very helpful in the guidance they have provided me with along my journey. There are ample opportunities to grow with the Bank and it all depends on how much one would like to develop themselves.

Rita Cobbold
Vice President – Head of Customer Due Diligence, CFU Middle Office

I have been working at Bank of China for almost 8 years. In March 2022 I was promoted to VP - Head of Customer Due Diligence and I lead the CDD Unit. There are so many great things about working for the company. My favourite is probably the Bank’s commitment to identifying talent and nurturing them to develop into great leaders. The Bank embraces employees of all experience levels, backgrounds, and beliefs. They understand the value of a diverse team and make efforts to hire a variety of people. Working here has really enhanced my knowledge, my understanding of different cultures, leadership skills and a sense of direction for the future.

Ashley Watson
AVP – Security Operations & Risk Manager, General Administration

Over the past four years at Bank of China UK, I have had the opportunity to grow both professionally and personally in my role as the Security Operations and Risk Manager. My role involves safeguarding the bank’s operations through robust risk management and proactive security strategies. Every day brings new challenges, and the dynamic nature of the role keeps me engaged and motivated. One of the most rewarding aspects of working here is being part of a truly diverse and multicultural environment. Collaborating with colleagues from different backgrounds has broadened my perspective and enriched both my professional and personal experiences.

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