Portfolio Manager

Location: Cheltenham (Hybrid - 2 days/week in the office)Take ownership of a complex loan portfolioAn established and growing specialist financial services business is looking for an experienced Senior Portfolio Manager to join its Loan Management team.This is a key role for someone with a strong background in loan management, credit, risk and secured lending, who enjoys taking ownership of complex cases and making sound commercial decisions.The successful candidate will be responsible for actively managing a portfolio of loans, with a particular focus on default and forbearance cases, credit monitoring, borrower reviews and debt recovery. They will provide insight and recommendations to senior leadership, investors and the Credit Committee, ensuring the best possible outcome for the business, its investors and its borrowers.The role offers significant autonomy and the opportunity to work across a varied portfolio, dealing directly with borrowers, investors, solicitors, valuers, estate agents, receivers and other professional advisers.The opportunityReporting to the Joint Head of Portfolio, the Senior Portfolio Manager will take ownership of default cases and the ongoing review and monitoring of the live loan book.The role combines credit and risk assessment, relationship management, commercial judgement and problem solving. It will suit someone who is comfortable dealing with sensitive or challenging situations, can assess risk quickly and is confident making recommendations based on detailed financial and commercial information.Key responsibilitiesDefault & ForbearanceManage default cases from initial contact through to resolution, including borrower communication, debt collection and investor updatesDeal directly with investors regarding default cases, providing clear and timely information by phone and emailCoordinate investor voting on proposed courses of action and implement agreed decisionsLiaise with and instruct solicitors, estate agents, receivers, valuers and other third parties to progress investigation and debt recoveryWork directly with borrowers to reduce exposure and achieve the best possible outcomePrepare and present summary reports to the Quarterly Credit Committee and Senior Management TeamPortfolio Review & MonitoringUndertake detailed annual and interim reviews of the active loan bookMonitor conditions subsequent, credit information and other indicators of potential riskPrepare detailed review reports on individual loans, identifying concerns, opportunities and potential additional lendingAssess the validity and adequacy of security and relevant insurance arrangementsMonitor interest payments and management feesReview progress against the underlying project or purpose for which the loan was providedConduct detailed telephone reviews with borrowers and arrange physical project visits where appropriateRecommend and schedule additional reviews where requiredPresent significant exposure and interim review cases to the Quarterly Credit CommitteeManage partial redemptions where security needs to be released, working with solicitors, valuers and other professional advisersAssess borrower consent requests, including leases, licences, easements and similar mattersWider team supportSupport the management of the maturing loan book when required, ensuring loans are redeemed or renewed in a timely mannerSupport the training and development of colleagues across the wider Loan Management teamMaintain accurate case records and ensure appropriate filing across internal systemsEnsure all activity complies with FCA requirements, financial regulations and GDPRWhat they are looking forThe ideal candidate will have proven loan management experience, ideally gained within a financial services, lending or credit environment.They will combine strong technical knowledge with commercial awareness and the confidence to deal directly with borrowers, investors and professional advisers.Key experience and skills will include:Strong experience in loan managementGood understanding of credit, risk and financial servicesKnowledge of secured lending and associated documentationStrong commercial and financial awarenessExperience dealing directly with customers or borrowersExcellent written and verbal communication skillsStrong analytical and problem-solving abilitiesExcellent organisation and planning skillsGood working knowledge of Microsoft Word and ExcelExperience with loan management or case management systems would be advantageousMore than just portfolio managementThis is a role where judgement matters.The Senior Portfolio Manager will be trusted to assess complex situations, identify risk, challenge assumptions and recommend the right course of action. They will have regular exposure to investors and senior decision-makers and will play an important role in protecting the interests of all parties involved.The business has a clear set of values that shape how it operates: fairness, openness, loyalty, kinship and taking initiative.It is looking for someone who shares those principles — someone who is transparent and dependable, takes ownership, treats people fairly and isn't afraid to make things happen.Why join?The role offers the opportunity to join a specialist financial services business where people have genuine ownership of their work and where commercial judgement and initiative are valued.The successful candidate will work across a diverse loan book, gain exposure to complex credit and recovery situations and have the opportunity to make a tangible difference to portfolio performance.Location: Cheltenham / RemoteContract: Full timeReporting to: Joint Head of PortfolioDirect reports: NoneFor an experienced loan management or credit professional looking for a senior role with autonomy, variety and genuine commercial responsibility, this is an opportunity to take ownership of a significant portfolio and play a key role in protecting and maximising value for borrowers, investors and the business.Interested? Confidential conversations are welcomed with candidates who would like to find out more.