Portfolio Manager - Specialist Mortgages & Bridging

Overview

Portfolio Manager – Location: Head Office, London; Hours: Monday to Friday, 9:00am–5:30pm; Working Pattern: Hybrid (50/50). Reports to: Lending Manager. Department: Bridging Finance & Specialist Mortgages – Portfolio Management.

We’re looking for a detail‑oriented and commercially minded Portfolio Manager to join our Portfolio Management team within Bridging Finance and Specialist Mortgages. This role plays a pivotal part in managing and supporting a portfolio of bridging and specialist mortgage accounts — including refurbishment lending across light, medium, and heavy refurb projects. Acting as the primary point of contact for customers, brokers, and internal teams, you’ll ensure strong credit stewardship, proactive portfolio oversight, and an excellent customer journey throughout the lifecycle of each facility. This is an excellent opportunity for someone with property lending or development finance experience who thrives in a fast‑paced, collaborative environment.

Responsibilities

• Portfolio & Credit Stewardship — Monitor loan expiries, extensions, construction milestones, interest tranches, and part releases
• — Prepare and oversee monthly time‑delay and cost overrun analysis
• — Perform cashflow analysis against approved credit to identify material variances
• — Monitor early warning indicators and escalate concerns in line with bank policy

• Servicing & Customer Management — Act as the first point of contact for customers, brokers, and internal stakeholders
• — Approve advances, materials on site, and payments within delegated authority
• — Produce customer administration documents, including redemption statements
• — Maintain accurate portfolio records and monitoring systems

• Credit & Reporting — Prepare high‑quality credit proposals for amendments to existing facilities
• — Ensure compliance with HTB’s credit policies and procedures
• — Produce clear and accurate management information and reporting

• Collaboration & Delivery — Work closely with lending, underwriting, and risk teams
• — Support department and bank‑wide projects as required
• — Contribute proactively to a collaborative and high‑performing team environment

Who You’ll Work With

• Lending Manager
• Head of Portfolio Management (Specialist Mortgages & Bridging)
• Underwriters and Portfolio Managers
• Risk & Compliance (2nd Line)
• Brokers, customers, conveyancers, and legal partners

What We’re Looking For

• Experience in property lending or development finance within banking or property services
• Strong understanding of bridging finance and refurbishment‑led lending
• Proven ability to manage multiple priorities in a fast‑paced environment
• Strong analytical skills with the ability to interpret and present complex information
• High attention to detail and accuracy in all aspects of work
• Customer‑focused mindset with a track record of delivering excellent service
• Solid understanding of risk management and credit stewardship
• Confident communicator with the ability to engage brokers and internal stakeholders
• Experience using Phoebus, Keystone, or Tableau is desirable

Benefits

• Competitive remuneration
• Discretionary annual bonus
• Annual pay review
• Private Medical Insurance (Bupa)
• Mental health & wellbeing support via YuLife & Bupa
• 25 days annual leave (increasing with service) + Holiday Buy Scheme
• Cycle to Work Scheme & Green Car Scheme
• Enhanced family leave policies
• Study support & professional memberships
• Hybrid working (50/50)
• YuLife Rewards – lifestyle & retail discounts
• Pension scheme – 8% employer contribution (non‑contributory)
• Interest‑free season ticket loan
• Annual volunteering day & Net Zero employer commitment

If you enjoy managing complex lending portfolios and want to play a key role in supporting property investors through refurbishment and development projects, we’d love to hear from you.

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