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You’ll own a portfolio of complex real‑estate and property‑backed loans, handling the customer relationship and post‑origination credit risk. You’ll monitor the book, run covenant and stress tests, and make in‑life credit decisions.
The employer seeks candidates with extensive UK real‑estate lending or portfolio management experience across investment and development, strong credit appraisal, financial analysis and modelling skills, and familiarity with revolving credit, loan‑on‑loan or lender‑finance facilities. Experience managing distressed credits and leading negotiations is also required.
The role protects the bank’s loan quality and supports its mission to empower ambitious UK businesses by managing credit risk and driving growth in the real‑estate segment. Effective distress management and portfolio oversight directly impact the bank’s financial health and its ability to fund new projects.
Ideal for senior credit professionals who are proactive self‑starters, comfortable presenting to senior committees, experienced in leading analyst teams across time zones, and open to using AI tools in portfolio management.
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel — we want bold thinkers and proactive self-starters who are eager to shape their own careers while supporting the UK's most driven business leaders.
You will manage a book of complex real estate and property-backed loans, owning both the customer relationship and the post-origination credit risk, including customers showing early signs of financial distress. You will work with an analyst team based in India.
Sectors: residential and commercial real estate (investment and development), student accommodation, co-living and retirement living, and property-backed hotel and healthcare loans
Facilities: investment, transitional, development and buy-to-let loans, and lender finance, including revolving credit facilities (RCFs) and loan-on-loan facilities to real estate lenders
Loan sizes: typically £1m to £50m
What you’ll do
What you’ll bring
