Portfolio Manager - Home Building Finance Ireland (HBFI)

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Role Profile

Job Title: Portfolio Manager - Home Building Finance Ireland (HBFI)
Division/Function: Home Building Finance Ireland 
Reports to: Divisional Manager Portfolio and Operations 
Job Type: Permanent

Role Overview & Background

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 Summary

The Portfolio Manager reports to the Divisional Manager Portfolio and Operations. The successful candidate will be responsible for the end-to-end management of an allocated portfolio of HBFI funded loans following financial close. The role involves ongoing borrower engagement, monitoring of development progress, managing drawdowns, co ordinating loan reviews, assessing amendment requests, monitoring compliance with facility requirements and supporting the orderly repayment of the loans.

The Portfolio Manager acts as the primary relationship manager for allocated borrowers and serves as the key point of contact for internal stakeholders, legal advisers, monitoring surveyors and other professional advisers throughout the life of each facility.

 

Working at the NTMA offers excellent benefits including:

• Hybrid work options 
• An extensive wellbeing programme
• A diverse range of initiatives: LGBT+, Gender Matters, Disability Awareness, International & Multicultural Awareness Team (IMAT), Sports & Social, Volunteering and lots more
• Excellent learning and development opportunities that allow for full career development within the organisation
• Reimbursement of annual professional membership fees
• Career average defined benefit pension scheme

Principal Accountabilities

 

Responsibilities include, but may not be limited to, the following:

• Manage a portfolio of active loans and associated processes, ensuring loans are effectively monitored, administered and maintained throughout their life cycle and high standards of customer service are provided.
• Undertake regular reviews of loans, associated developments and borrower performance with input from key HBFI business areas, for presentation to the relevant approval authority.
• Manage the day-to-day relationship with borrowers and external advisors and act as a point of contact for same. 
• Contribute to the development, implementation and continuous improvement of relevant processes to enhance efficiency, accuracy and service quality.

 

Relationships with other business divisions:

• Maintain strong working relationships with the Lending and Credit teams and external advisors including monitoring surveyors, legal firms and property advisors, etc.

 

Knowledge & Experience

 

• Minimum 4 years’ relevant experience in development finance, banking, lending, portfolio management, property finance or a related sector.
• A proven track record in residential development lending, building and maintaining strong relationships with customers and internal and external stakeholders.
• Excellent knowledge of residential development lending product offerings and markets.
• Strong knowledge of lending agreements, covenants and security requirements.
• Excellent understanding of relevant financing models and data with an ability to review, understand and interpret audited financial accounts and financial forecasts.
• Track record in writing and presenting credit proposals to relevant decisions making authorities.
• Demonstrated sound commercial judgement and awareness of the residential market in Ireland.
• Track record in managing credit quality and compliance with policies and procedures.

Skills

 

• A track record in delivering results and objectives.
• Experience driving continuous improvement initiatives to enhance lending processes and customer experience.
• Strong customer focus and a proven commitment to customer excellence.
• Strong organisational skills and ability to prioritise and manage workload.
• Strong negotiation and relationship management skills, with the ability to identify and assess emerging credit, development and delivery risks, formulate viable solutions, articulate risk mitigants and recommendations and successfully manage challenging borrower relationships throughout the lifecycle of the loan.
• Strong understanding of deal structuring.
• An ability to work on own initiative and interact as a part of a highly motivated team.
• Effectively contribute to the achievement of goals and targets set for self, others and organisation. 
• Excellent communication skills, both verbal and written.
• Strong commitment to governance and high ethical standards.
• Proficiency in Microsoft Word, Excel and Outlook.

Qualifications

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

If 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 envisaged 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.
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Próifíl an Róil

Teideal an phoist: Bainisteoir Punainne
Roinn/Feidhm: Maoiniú Teaghais-Tógála Éireann 
Freagrach do: Bainisteoir Roinne Punainne agus Oibríochtaí 
Cineál Poist: Buan

Achoimre ar an Ról agus Eolas Cúlra

Is gníomhaireacht Stáit é Maoiniú Teaghais-Tógála Éireann (MTTÉ) atá ceaptha chun airgead a thabhairt ar iasacht chun tógáil tithe nua in Éirinn a mhaoiniú. Eintiteas tráchtála is ea MTTÉ, agus cuireann sé maoiniú ar fáil ar rátaí margaidh d'fhorbraíochtaí cónaithe atá inmharthana ó thaobh tráchtála de. 

 

Achoimre ar an Ról

Tuairiscíonn an Bainisteoir Punainne don Bhainisteoir Roinne Punainne agus Oibríochtaí. Beidh an t‑iarrthóir a n-éireoidh leis nó léi freagrach as bainistíocht ó thús go deireadh ar phunann leithroinnte d'iasachtaí atá á maoiniú ag MTTÉ tar éis dheireadh na bliana airgeadais. Baineann an ról le rannpháirtíocht leanúnach le hiasachtaithe, monatóireacht a dhéanamh ar dhul chun cinn forbartha, tarraingtí anuas a bhainistiú, athbhreithnithe ar iasachtaí a chomhordú, measúnú a dhéanamh ar iarratais ar leasuithe, monatóireacht a dhéanamh ar chomhlíonadh ceanglais saoráidí agus tacú le haisíocaíocht réidh na n-iasachtaí.

Is é an Bainisteoir Punainne an príomhbhainisteoir caidrimh maidir le hiasachtaithe leithroinnte agus is príomhphointe teagmhála atá ann do pháirtithe leasmhara inmheánacha, do chomhairleoirí dlí, do shuirbhéirí monatóireachta agus do chomhairleoirí gairmiúla eile i rith shaolré gach saoráide.

 

Baineann buntáistí den scoth le bheith ag obair ag GBCN, lena n-áirítear:

• Roghanna oibre cumaisc 
• Clár fairsing folláine
• Raon leathan tionscnamh: LADT+, Cúrsaí Inscne, Feasacht ar Mhíchumas, Foireann Feasachta Idirnáisiúnta agus Ilchultúrtha, Spóirt agus Sóisialta, Obair Dheonach agus go leor eile
• Deiseanna foghlama agus forbartha den scoth lenar féidir forbairt gairme iomlán a bhaint amach laistigh den eagraíocht
• Aisíocaíocht táillí bliantúla don bhallraíocht ghairmiúil
• Scéim pinsin le sochar sainithe ag meánráta na gairmréime

Príomhfhreagrachtaí

• Áirítear leis na freagrachtaí, i measc cinn fhéideartha eile:
  
  Punann iasachtaí gníomhacha agus próisis ghaolmhara a bhainistiú, lena chinntiú go ndéantar monatóireacht agus riaradh éifeachtach ar iasachtaí ar feadh a saolré agus go gcloítear lena gcoinníollacha, chomh maith lena chinntiú go gcuirtear ardchaighdeáin seirbhíse do chustaiméirí ar fáil.
  Athbhreithnithe rialta a dhéanamh ar iasachtaí, ar fhorbairtí gaolmhara agus ar fheidhmíocht iasachtaithe le hionchur ó phríomhréimsí gnó MTTÉ, lena gcur i láthair don údarás formheasa ábhartha.
• An caidreamh laethúil le hiasachtaithe agus le comhairleoirí seachtracha a bhainistiú agus pointe teagmhála a chur ar fáil dóibh siúd. 
• Rannchuidiú le forbairt, cur i bhfeidhm agus feabhsú leanúnach próiseas ábhartha chun éifeachtúlacht, cruinneas agus cáilíocht seirbhíse a fheabhsú.

 

Caidrimh le rannóga gnó eile:

• Caidrimh oibre láidre a chothú leis na Foirne Iasachtaí agus Creidmheasa agus le comhairleoirí seachtracha, lena n-áirítear suirbhéirí monatóireachta, gnólachtaí dlí agus comhairleoirí maoine, etc.

 

Eolas agus Taithí

 

• Taithí ábhartha 4 bliana ar a laghad ag plé le maoiniú i gcomhair forbartha, baincéireacht, iasachtaí, bainistíocht punainne, maoiniú réadmhaoine nó taithí in earnáil ghaolmhar.
• Cuntas teiste maidir le hiasachtaí le haghaidh forbraíochtaí cónaithe, agus le caidrimh láidre le custaiméirí agus le páirtithe leasmhara inmheánacha agus seachtracha a chothú.
• Eolas den scoth ar tháirgí agus ar mhargaí iasachtaí le haghaidh forbraíochtaí cónaithe.
• An-eolas ar chomhaontuithe, conarthaí agus riachtanais urrúis i ndáil le hiasachtaí.
• Tuiscint den scoth ar shamhlacha agus sonraí maoinithe ábhartha agus an cumas cuntais airgeadais iniúchta agus réamhaisnéisí airgeadais a athbhreithniú, a thuiscint agus a léirmhíniú.
• Cuntas teiste maidir le tograí creidmheasa a scríobh agus a chur i láthair do na húdaráis chinnteoireachta ábhartha.
• A bheith stuama ó thaobh na tráchtála de agus feasacht a léiriú ar an margadh cónaithe in Éirinn.
• Cuntas teiste maidir le bainistiú cáilíochta creidmheasa agus le comhlíonadh beartas agus nósanna imeachta.

Scileanna

• Cuntas teiste maidir le torthaí agus cuspóirí a bhaint amach.
• Taithí ar thionscnaimh a chur chun cinn ar mhaithe le feabhsúchán leanúnach chun próisis iasachta agus eispéireas an chustaiméara a fheabhsú.
• An-dírithe ar chustaiméirí agus tiomanta don tseirbhís is fearr a chur ar fáil dóibh.
• Sárscileanna eagrúcháin agus an cumas an t-ualach oibre a chur in ord tosaíochta agus é a bhainistiú.
• Sárscileanna idirbheartaíochta agus bainistíochta caidrimh, chomh maith leis an gcumas rioscaí creidmheasa, forbartha agus soláthair atá ag teacht chun cinn a aithint agus a mheas, réitigh inmharthana a cheapadh, moltaí a chur in iúl maidir le rioscaí a mhaolú agus caidrimh dhúshlánacha le hiasachtaithe a bhainistiú i rith shaolré na hiasachta.
• Tuiscint láidir ar struchtúrú idirbhirt.
• An cumas oibriú as do stuaim féin agus idirghníomhú i bhfoireann an-spreagtha.
• Cabhrú go héifeachtach le baint amach spriocanna agus aidhmeanna atá leagtha síos duit féin, do dhaoine eile agus don eagraíocht. 
• Sárscileanna cumarsáide, ó bhéal agus i scríbhinn.
• Tiomantas láidir don rialachas agus d'ardchaighdeáin eiticiúla.
• Inniúlacht ar Microsoft Word, Excel agus Outlook.

Cáilíochtaí

• Céim san eacnamaíocht/airgeadas más féidir, nó i ndisciplín ábhartha eile, agus/nó cáilíocht ghairmiúil choibhéiseach.

Má bhí ceapaí fostaithe sa Státseirbhís nó sa tSeirbhís Phoiblí cheana agus má tá sé nó sí i dteideal nó ag fáil pinsin ón Státseirbhís nó ón tSeirbhís Phoiblí, nó má chuirtear tús le híoc pinsin ón Státseirbhís nó ón tSeirbhís Phoiblí le linn a thréimhse nó a tréimhse athfhostaíochta, beidh an pinsean sin faoi réir ag laghdú i gcomhréir le hAlt 52 den Acht um Pinsin na Seirbhíse Poiblí (Scéim Aonair agus Forálacha eile) 2012.

Tabhair faoi deara: Trí chur isteach ar an bpost seo, admhaíonn tú go dtuigeann tú go mbeidh feidhm ag na forálacha um laghdú pinsin, i gcás ina mbeidh siad ábhartha. Ní shamhlaítear go dtacóidh an Roinn/Oifig/Comhlacht atá ag fostú le hiarratas ar tharscaoileadh laghdaithe i leith ceapachán sa phost seo.

Beidh ar iarratasóirí dearbhú réamhfhostaíochta a líonadh isteach lena dhearbhú an raibh siad tar éis leas a bhaint as scéim pinsean earnála poiblí roimhe seo.
 

 

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.