Portfolio Manager - Development Finance (London)

Portfolio Manager - Development Finance

Location: London

Hours: Monday to Friday, 9:00am-5:30pm

Working Pattern: Hybrid (50/50)

Reports to: Jason Wilmot

Department: Development Finance - Portfolio Management

Travel: Regular site visits required

About the Role

We're looking for an experienced and commercially minded Portfolio Manager to join our Development Finance team. You'll play a pivotal role in managing a diverse portfolio of property development loans - ensuring strong credit stewardship, close project monitoring and highquality customer engagement.

This role suits someone who thrives on variety: site visits, financial analysis, stakeholder management, and shaping decisionmaking across complex development projects. You'll be working closely with Lending Directors, Relationship Managers, surveyors and borrowers to ensure projects progress within budget, on schedule, and in line with HTB's risk appetite.

Key Responsibilities

Portfolio Oversight & Credit Stewardship

• Monitor loan expiries, interest tranche depletion, construction milestones and sale activity
• Conduct site inspections to assess build progress, budget alignment, quality and marketing updates
• Identify early warning indicators and support timely interventions on potentially problematic loans
• Recommend restructures where appropriate and prepare amendment credit papers and memos

Analysis & Reporting

• Complete monthly Time Delay & Cost Overrun analysis
• Perform cashflow reviews vs approved budgets to identify material variances
• Maintain accurate portfolio monitoring systems and prepare regular reports for committees
• Contribute to portfolio overviews and annual Credit Risk reviews

Stakeholder Engagement

• Liaise with Quantity Surveyors, valuers, lawyers and construction teams
• Work closely with Lending Directors and Relationship Managers on ongoing cases
• Develop retention plans to support repeat and new business
• Support smooth implementation of new credit policies and internal processes

Who You'll Work With

You'll collaborate with:

• MD, Development Finance
• Lending Directors & Relationship Managers
• Credit & Risk teams (1st and 2nd line)
• Monitoring surveyors, valuers, lawyers and borrowers

What We're Looking For

Qualifications & Experience

• Strong experience in property lending or development finance (banking or professional services)
• Proven ability to build trusted relationships with borrowers and professional partners
• Understanding of UK residential development finance
• General understanding of construction (preferable but not essential)

Skills & Attributes

• Excellent analytical and numerical capability
• Strong understanding of the UK property market
• High attention to detail and diligent approach
• Ability to travel nationally for site visits
• Excellent communication skills
• Experience with Phoebus, Keystone or Tableau is beneficial

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 & Green Car Schemes
• Enhanced family leave policies
• Study support & professional memberships
• Hybrid working
• YuLife Rewards - retail, lifestyle & experience discounts
• Pension scheme - 8% employer contribution (noncontributory)
• Interestfree season ticket loan
• Annual volunteering day & Net Zero commitment

If you're an experienced development finance professional with a strong eye for risk, a passion for property and a collaborative approach to customer relationships, we'd love to hear from you .