About the Role
We are seeking an exceptional and experienced finance professional to lead and manage the financing strategy for a growing commercial property investment portfolio across the UK.
The successful candidate will be a senior-level finance specialist with extensive experience in commercial real estate finance, debt structuring, commercial mortgages, and lender relationship management. This individual will play a critical role in securing and managing funding for property acquisitions, developments, refinancing transactions, and portfolio growth initiatives.
The role requires an expert understanding of the UK commercial lending market, including high street banks, challenger banks, specialist lenders, bridging finance providers, development finance lenders, and institutional funding sources.
This is a strategic and hands-on position suitable for a commercially minded finance professional who can originate, negotiate, structure, and deliver complex funding solutions for commercial property investments.
Key ResponsibilitiesCommercial Property Finance Strategy
- Develop and implement financing strategies to support commercial property acquisitions, developments, refinancing, and portfolio expansion.
- Identify the most suitable debt and funding solutions for individual projects and wider portfolio requirements.
- Optimise capital structures to maximise returns whilst managing financial risk.
Debt and Loan Origination
- Lead the sourcing, structuring, and execution of commercial mortgages and property finance facilities.
- Prepare and oversee high-quality funding proposals, business plans, financial models, and lender presentations.
- Negotiate loan terms, pricing, covenants, and security requirements with lenders.
- Manage transactions from initial enquiry through to drawdown and completion.
Lender Relationship Management
- Maintain strong relationships with UK banks, challenger banks, specialist commercial lenders, private funders, development finance providers, and brokers.
- Build and expand a network of funding partners to support future growth opportunities.
- Stay informed of lender appetite, underwriting criteria, and market trends.
Financial Analysis and Due Diligence
- Conduct detailed financial analysis of commercial property transactions.
- Assess investment viability, debt serviceability, cash flow projections, and financial risk.
- Support acquisition and investment decisions through robust financial modelling and scenario analysis.
Portfolio and Funding Management
- Monitor existing lending facilities and refinancing opportunities.
- Ensure compliance with lender covenants and reporting obligations.
- Identify opportunities to improve financing structures and reduce borrowing costs.
Stakeholder Management
- Work closely with directors, investors, solicitors, valuers, brokers, and lending institutions.
- Present funding strategies and recommendations to senior management and investors.
- Provide expert advice on financing options for commercial property transactions.
Market Intelligence
- Maintain an up-to-date understanding of UK commercial property finance markets.
- Monitor changes in lending policies, interest rates, regulations, and funding opportunities.
- Identify innovative funding solutions and emerging lenders.
Person SpecificationEssential Experience
- Minimum 5+ years' experience in a senior finance role within commercial property, real estate, banking, lending, property investment, or commercial finance.
- Proven track record of successfully securing commercial mortgages and complex property finance facilities.
- Extensive experience arranging finance for:
- Commercial property acquisitions
- Investment properties
- Mixed-use developments
- Development finance projects
- Bridging finance facilities
- Portfolio refinancing
- Commercial-to-residential conversion projects
- Demonstrable experience managing significant borrowing facilities and lender relationships.
- Strong understanding of commercial property investment principles and real estate financial analysis.
- Experience negotiating directly with UK lenders and funding institutions.
Essential Knowledge
- Expert knowledge of the UK commercial mortgage market.
- In-depth understanding of:
- Commercial lending criteria
- Loan-to-value (LTV) structures
- Debt service coverage ratios (DSCR)
- Interest cover ratios (ICR)
- Development finance
- Bridging finance
- Buy-to-let and commercial investment lending
- Portfolio funding structures
- Property valuation methodologies
- Detailed knowledge of UK banking and specialist lending markets.
- Strong understanding of commercial property transactions and associated legal processes.
Essential Skills
- Exceptional commercial mortgage and debt structuring expertise.
- Advanced financial modelling and cash flow forecasting skills.
- Strong analytical and problem-solving abilities.
- Excellent negotiation and influencing skills.
- Ability to secure funding in complex or challenging lending scenarios.
- Strong presentation and report-writing skills.
- Excellent stakeholder and relationship management skills.
- Ability to work independently and manage multiple transactions simultaneously.
- Strong attention to detail and commercial awareness.
Desirable Qualifications
- ACA, ACCA, CIMA, CFA, MBA, or equivalent professional qualification.
- Degree in Finance, Accounting, Economics, Real Estate, Banking, or related discipline.
- Professional qualifications in commercial lending, banking, or real estate finance.
- Experience working with property investment funds, developers, family offices, or institutional investors.
Ideal Candidate Profile
The ideal candidate will be a recognised expert in UK commercial property finance with an extensive network of lending contacts and a proven history of securing substantial funding facilities for commercial real estate transactions. They will possess both strategic and operational expertise, combining strong financial acumen with deep market knowledge and exceptional lender relationship management skills.
They will have a demonstrated ability to source, structure, negotiate, and deliver commercial mortgage and finance solutions that support ambitious property investment and growth objectives.
What We Offer
- Full-time, office-based role
- Stable position within a growing property and management business
- Varied finance and accounts responsibilities
- Opportunity to develop within the company
- Supportive working environment
Work Location
In person – Salford Office, M6.
Job Type: Full-time
Pay: From £35,000.00 per year
Work Location: In person
