Portfolio Manager
Location: Cheltenham
Salary: £45000-£55000 + Bonus & Benefits
Call: 0117 321 0588
Email: nick@redlandsearch.com
Location: Cheltenham (Hybrid - 2 days/week in the office)
Take ownership of a complex loan portfolio
The organisation is a well-established and growing financial services firm that specialises in matching business borrowers with individual and institutional investors. Founded in 2013, it has grown to become the UK's largest marketplace lender for businesses by cumulative lending, having facilitated more than £800 million in loans.
They are looking for an experienced asset-backed credit professional 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 the good book - although you will be required to look for any signs of trouble with the client, industry, economic outlook etc. You 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. Working with professionals who have also worked in the largest UK banks, you will also enjoy being part of a much more personal process and enjoying the influence you can have over the success of the company. The organisation has very ambitious and achievable plans.
The Opportunity
Reporting to the Joint Head of Portfolio, the Portfolio Manager will take ownership 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.
This role focuses on the 'good-book' portfolio.
Key Responsibilities
Portfolio Review & Monitoring
Undertake detailed annual and interim reviews of the active loan book
Monitor conditions subsequent, credit information and other indicators of potential risk
Prepare detailed review reports on individual loans, identifying concerns, opportunities and potential additional lending
Assess the validity and adequacy of security and relevant insurance arrangements
Monitor interest payments and management fees
Review progress against the underlying project or purpose for which the loan was provided
Conduct detailed telephone reviews with borrowers and arrange physical project visits where appropriate
Recommend and schedule additional reviews where required
Present significant exposure and interim review cases to the Quarterly Credit Committee
Manage partial redemptions where security needs to be released, working with solicitors, valuers and other professional advisers
Assess borrower consent requests, including leases, licences, easements and similar matters
Wider Team Support
Support the management of the maturing loan book when required, ensuring loans are redeemed or renewed promptly
Support the training and development of colleagues across the wider Loan Management team
Maintain accurate case records and ensure appropriate filing across internal systems
Ensure all activity complies with FCA requirements, financial regulations and GDPR
What They Are Looking For
The 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 management
Good understanding of credit, risk and financial services
Knowledge of secured lending and associated documentation
Strong commercial and financial awareness
Experience dealing directly with customers or borrowers
Excellent written and verbal communication skills
Strong analytical and problem-solving abilities
Excellent organisation and planning skills
Good working knowledge of Microsoft Word and Excel
Experience with loan management or case management systems would be advantageous
More than just portfolio management
This is a role where judgement matters.
The 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 / Remote
Contract: Full time
Reporting to: Joint Head of Portfolio
Direct reports: None
For 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.