Commercial Property Finance Broker

Edinburgh

City & Capital are currently representing a fast growing & highly respected commercial property finance advisory & loan brokerage who are achieving outstanding growth. This growth is being driven by market reputation & the increased borrowing requirements of property professionals & businesses in the sector.

Due to this our client is embarking on a large recruitment drive across their key UK regions to appoint confident & ambitious property professionals who can join their broker arm as a Commercial Property Finance Broker at a genuinely exciting time.

Our client is renowned for supporting commercial borrowers with access to a broad range of commercial/specialist property loans. These loans may be commercial mortgages (own/occupy) or a broad range of BTL/portfolio landlord loans for property investors. In addition, our client also supports property development & refurb projects too, via development finance & bridging loans.

The broker in question has been operating in this space for nearly a century. Due to this, two things are key:

1. Lots of warm leads!

Due to reputation & expertise, our client generates a lot of warm leads for their brokers to handle! These will complement leads that you may choose to originate yourself, be this from your own market connections or business development activity.

2. 'Whole of Market’ access to Lenders & Banks

Due to the high levels of serious borrowers that our client generates, it may not surprise you to know that the very best lenders & banks are happy to be aligned to them. This means our client can cover any loan size of purpose, be that a £100k or £100m commercial property loan. As a result, conversion of application to funded loan is one of the highest in the UK and more so, drives a lot of repeat business which is a key part of their growth model (and will be a key part of yours too!)

Naturally, this blend of warm leads & repeat borrowers married to whole of market access across prime and specialist, means you have the highest chance of achieving significant loan conversions, which is how your bonus is earned!

The perfect setup for a commercial property broker. More on that later.

The Role - Commercial Property Finance Broker

Within the role, you will manage new applications from 'cradle to grave’ as follows:

Initial assessment of enquiries & their viability for funding

Where the loan is deemed as applicable, you will then engage directly with the client to host a more detailed 'fact find’ session meeting, face to face

From this session, you will create an initial 'credit paper’ that can be shared with lenders and banks in the market

Once the borrowers position & requirement have been confirmed, you will then research the lender/banking market for suitable loan products/institutions that can fund your clients requirement

Once identified, you will engage with those lenders/banks and will work with them to ensure they have the documents & information they need to underwrite and sanction the loan

You will liaise with borrower & lender/bank throughout this journey & until conclusion - a funded loan!

The ideal individual for this role must demonstrate current of previous experience working with commercial property loans, bridging or development finance. This may be for a lender, broker or bank. This is to ensure you are comfortable in reviewing applications & are able to undertake detailed fact finds with clients, to drive their applications forward.

You will be a confident relationship manager & someone who is naturally inclined to lead & drive forward cases in a proactive manner. Borrowers often require loans at short notice, so individuals that are strong process leaders will be highly sought after to ensure key SLAs are met.

Required Experience:

A demonstrable track record of funding commercial property finance deals

A strong knowledge of commercial property loan structuring and negotiation

Experience working for a broker, bank or lender

A good knowledge of credit or credit risk principles

Quantifiable Skills & Personality Traits:

An excellent communicator, both verbally and in writing

A strong attention to detail with good numerical skills

Highly organised with the ability to manage multiple cases at any one time

Thrives in a fast paced and dynamic environment

Target centric and drive

The basic package on offer is up to c£50k & relevant to experience. Higher offers may be considered for exceptional experience. This will be complemented by access to our clients excellent uncapped bonus & benefits scheme too.

OTE’s of c£85k - £90k should be attainable in year one, with higher OTE’s expected in future years as your experience progresses & your pipeline & repeat business builds. This bonus structure is entirely UNCAPPED and you will earn for every loan you are able to fund. Will discuss with you should we speak.

Most notably as an established and highly respected firm that continues to grow, opportunities to propel your own career earnings and standing forward quickly within may be prevalent, once excellent performance is delivered. This is in line with their strong & proven promote from within policy, which has been integral in their successful growth to date.

Travel to our clients local offices will be expected to undertake face to face client meetings.

There is a reasonable amount of urgency to fill this position due to our clients exciting growth & the progression potential available with this opportunity. Therefore, I do not expect these roles to be available in the market for long!

Due to this, if this role does sound like one that you are both qualified for and interested in, then we look forward to your application ASAP.

We will aim to review your application as quickly as possible and where it is deemed that your experience does meet the requirements of the brief, we will be in contact for an initial chat to share more with you on the client and role and to understand better your expectations & circumstances.We look forward to hearing from you.

Kind regards,