Portfolio Manager

About the Company

We are a specialist bridging lender focused on delivering fast, flexible funding solutions to property professionals, developers, and SMEs across England, Scotland, and Wales. With a growing loan book, a strong reputation for deal execution, and an ability to deliver quality service, we are expanding our team to ensure rigorous ongoing management of our portfolio and optimal outcomes for both performing and non-performing loans.

About the Role

We are seeking a Portfolio Manager to manage a diverse portfolio of short-term property loans, with a particular focus on risk monitoring, recovery strategies, and exit planning. The successful candidate will be RICS-qualified and bring solid experience in recoveries, valuations, and distressed asset resolution, albeit may not have any direct experience in working for a Lender. This is a hands-on, commercially focused role requiring proactive management of loan performance and swift action on problem cases.

Responsibilities

• Manage a live portfolio of bridging loans across residential and commercial property sectors.
• Monitor asset performance, loan milestones, borrower conduct, and covenant compliance.
• Identify early signs of distress and develop proactive recovery and enforcement strategies.
• Lead on recoveries, including negotiation with borrowers, instructing receivers, and managing asset disposals.
• Work closely with internal teams and external parties (valuers, solicitors, receivers, and agents).
• Attend site visits and provide valuation oversight using RICS expertise to assess asset risk and viability of exit strategies.
• Produce regular reports on portfolio performance, risk concentrations, and loan-level issues for senior management.
• Assist in refining internal portfolio management and collections procedures to reflect best practice.

Qualifications

• RICS qualified (MRICS or FRICS) – essential.

Required Skills

• Experience in real estate recoveries, enforcement, or asset management.
• Strong working knowledge of the lending market.
• Understanding of UK property law, enforcement options (e.g. LPA receivership), and valuation methodologies.
• Confident managing complex stakeholders including defaulting borrowers, legal counsel, and insolvency professionals.
• Comfortable working in a fast-paced, deal-driven environment with competing priorities.
• Analytical mindset with excellent reporting and communication skills.
• Strong Excel skills and experience with loan/CRM systems.

Preferred Skills

• Experience managing refurbishment or development bridging loans.
• Background in credit or underwriting would be advantageous.
• Exposure to NPL sales or distressed asset acquisitions.