Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally.  We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities.  This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale.  We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Shawbrook Bank is seeking an experienced Senior Real Estate Portfolio Manager to join our dedicated Portfolio Management team responsible for actively managing credit risk across our £6bn+ Real Estate portfolio, including Buy to Let, Bridging, and Commercial Investment assets.

This is a key position within a team that will own the credit and in-life client relationship. The successful candidate will play a vital role in maintaining portfolio quality, identifying emerging risks, and ensuring regulatory compliance.

Key Responsibilities

• Contribute to the active management of Shawbrook's extensive Real Estate portfolio, ensuring optimal performance and risk mitigation
• Maintain high standards of risk management across Credit, Operational and Conduct Risk domains
• Manage existing client relationships, including regular engagement and site visits when required
• Conduct comprehensive portfolio monitoring, including Early Warning Indicator (EWI) tracking, customer MI analysis, and covenant compliance
• Complete all Annual Reviews, coordinating with Business Development Manager (BDM) and Relationship Manager (RM) teams
• Establish and review 12-month forward-looking Umbrella Limits as part of the annual review process
• Perform active portfolio monitoring for trends, concentrations, and regional variances
• Conduct detailed market analysis, sub-sector reviews, and horizon scanning to identify regulatory impacts on the portfolio
• Monitor portfolio performance and exposure against policy limits
• Promptly communicate and escalate potential issues/risks through appropriate channels
• Support the development and enhancement of the overall risk management framework
• Manage all performing cases, working with the NPL team for under-performing and non-performing loans

• Circa 5 years' relevant experience, ideally from within a banking or lending environment, with a focus on residential and commercial real estate
• Significant client relationship experience within Real Estate
• Experience in structuring and executing transactions and risk management.
• Strong analytical skills, including advanced knowledge of Excel
• Strong understanding and analysis of Management Information and Financial Accounts.
• Good knowledge of real estate lending structures, including familiarity with legal documentation
• Thorough comprehension of credit risk management and credit administration

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done