HBFI Lending Manager

Job title:

HBFI Lending Manager

Company

National Treasury Management Agency

Job description

Necessary arrangements can be made at interview stage to accommodate the needs of candidates with disabilities. If you are having difficulty uploading your CV online or in fully accessing any information on this site please emailRole ProfileJob Title: Lending Manager
Division/Function: Home Building Finance Ireland Project Team
Job Family: Investment, Asset & Liability Management
Career Stream: Professional
Career Zone: Professionals / Specialists
Reports to: Divisional Manager Lending (“DML”)Contract Type: Permanent*** Closing date for applications – 23/01/25 ***Role Overview & BackgroundSummary of the BusinessThe National Treasury Management Agency (NTMA) provides asset and liability management services to the Irish Government. It has evolved from a single function agency managing the National Debt to a manager of a complex portfolio of public assets and liabilities.Businesses managed by the NTMA include borrowing for the Exchequer and the management of the National Debt, the State Claims Agency, the New Economy and Recovery Authority (“NewERA”), the Ireland Strategic Investment Fund, National Development Finance Agency and the NTMA Future Ireland Funds business unit with responsibility for the management of the Future Ireland Fund and Infrastructure, Climate and Nature Fund.
The NTMA also assigns staff to the National Asset Management Agency, the Strategic Banking Corporation of Ireland (SBCI) and Home Building Finance Ireland (HBFI).Working at the NTMA offers excellent benefits including:

• Flexible work options including remote working and variable work hours
• An extensive wellbeing programme
• Excellent learning and development opportunities that allow for full career development within the organisation
• A diverse range of initiatives: LGBT+, Gender Matters, Disability Awareness, Sports & Social, Volunteering and lots more
• Reimbursement of annual professional membership fees
• Career average Defined Benefit Pension Scheme

Home Building Finance Ireland (“HBFI”) is a State agency designed to lend money for the purposes of funding the construction of new homes in Ireland. HBFI has been established as a commercial entity, providing finance at market rates for commercially viable residential developments.Role SummaryThe Lending Manager reports to the DML and will work as part of a team responsible for developing and managing a portfolio of customers who require finance to carry out residential development projects. Responsibilities include the on-going management and oversight of projects throughout the lending cycle from an initial enquiry through to full repayment of any facility provided. The successful candidate must have a proven track record of carrying out detailed assessment of development funding loan proposals, preparation of loan reports, delivering high service standards, ensuring compliance with policies and procedures and building strong relationships with internal and external stakeholders.Principle AccountabilitiesResponsibilities will include, but may not be limited to, the following:

• Build and maintain relationships with customers requiring funding for residential development projects.
• Carry out detailed assessment of residential development projects, assist borrowers to structure loan proposals, prepare clear and concise loan reports and make recommendations to the appropriate sanctioning authority.
• Participate in regular reviews of borrower relationships and funded developments with the Head of Lending, the HBFI Management Team and other HBFI business areas.
• Achieve lending targets within agreed timeframe and commercial terms.
• Ensure accurate and timely updates to the Head of Lending, the HBFI Management Team and other stakeholders on the progress of the HBFI funded schemes.
• Ensure the highest standards of compliance with policies and procedures are achieved.
• Ensure required cooperation with internal and external auditors.

Relationships with other business divisions:

• Ensure strong working relationships between the lending team with the Credit & Risk team, the primary service provider and other external advisors such as the monitoring surveyors, property advisors, etc.

Knowledge & Experience

• Minimum 5 years’ experience in a similar role in a financial institution with a proven prudential track record in residential lending, preparing funding proposals, building and maintaining strong working relationships with customers and achieving lending targets.
• Good knowledge of residential development lending product offerings and markets.
• Strong knowledge of lending agreements, covenants and security requirements.
• Good understanding of relevant financing models and data with an ability to review, understand and interpret audited financial accounts and financial forecasts.
• Demonstrated sound commercial judgement and awareness of the residential market in Ireland.
• Proven record in managing credit quality and compliance with policies and procedures.

Skills

• Have a proven track record in delivering results and objectives.
• Strong customer focus and a proven commitment to customer excellence.
• Strong organisational skills and the ability to prioritise and manage your own work load.
• Strong negotiation skills with ability to identify key risk issues in negotiation of borrowing facilities and to deliver alternative solutions if required.
• Strong understanding of deal structuring.
• An ability to work on own initiative and interact as a part of a highly motivated team.
• Excellent communication skills, both verbal and in writing.
• Exemplary governance and ethics.
• Proficiency in Microsoft Word, excel and Outlook.

Qualifications

• Degree preferably in economics/finance or other relevant discipline, and/or equivalent professional qualification.

Pension AbatementIf an appointee has previously been employed in the Civil or Public Service and that appointee is entitled to or in receipt of a pension from the Civil or Public Service or where a Civil/Public Service pension comes into payment during the appointee’s re-employment that pension will be subject to abatement in accordance with Section 52 of the Public Service Pensions (Single Scheme and other Provisions) Act 2012.Please note: In applying for this position, you are acknowledging that you understand that the abatement provisions, where relevant, will apply. It is not ideated that the employing Department/Office/Body will support an application for an abatement waiver in respect of appointments to this position.Applicants will be required to complete a pre-employment declaration to confirm whether they have previously availed of a Public sector pension scheme.The NTMA is proud to be an equal opportunities employer. We recognise that a diverse and inclusive workplace informs better decision making, creative thinking, innovation and drives business performance. We are strongly acted to ensuring that our workforce is representative of our society.The NTMA is proud to be an equal opportunities employer. We recognise that a diverse and inclusive workplace informs better decision making, creative thinking, innovation and drives business performance. We are strongly committed to ensuring that our workforce is representative of our society.

Expected salary

Location

Ireland

Job date

Sat, 11 Jan 2025 02:53:08 GMT

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