Grow with UTB

A new job opportunity with United Trust Bank.

Property Development Director

A new opportunity to work in our Property Development team where you will generate and protect profits by developing and transacting new property development finance business in London & South East and ensuring that risks are mitigated by the efficient structuring, management and control of the loan portfolio and associated activities.

Job Reference: DF061-23
Department: Property Development
Reporting to: Head of Originations 
Coverage: London & South East
Work pattern: Hybrid 

Job description

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This is a hybrid role – 3 days in the office (City of London location) and 2 days working from home.

Role Purpose:

To generate and protect profits by developing and transacting new property development finance business in London & South East and ensuring that risks are mitigated by the efficient structuring, management and control of the loan portfolio and associated activities.


  • Understand the banks credit policy, lending appetite and proactively identify and action sales opportunities in order to meet business objectives
  • Manage and develop own portfolio of business customers. Meet growth, performance and income targets through the proactive development of new business from professional network
  • Independently analyse opportunities, critically evaluate, prepare and submit applications for new proposals to Credit Committee, ensuring appropriate commentary and analysis to aid decision
  • Proactively manage all transactions from Credit Approval through to completion alongside the new deal team
  • Achievement of growth, income targets and adherence to the Bank’s standards in respect of operational and regulatory risk both pre-credit approval and in-life
  • Post-drawdown ensure an effective handover is provided to either Associate or Relationship Director who will assume direct responsibility for the connection
  • Maintain delivery of a high quality service to customers as required
  • Ensure that all clients are fully compliant with the Bank’s AML policies and procedures
  • Ensure that KYC procedures including the requirements for in-life reviews in accordance with the AML framework on all customer connections are adhered too
  • Build and maintain effective relationships with key business partners to maximise potential growth of business
  • Build knowledge and understanding of relevant markets and customers in order to anticipate and meet their needs
  • Monitor market developments and competitor activity. Recommend and implement appropriate action to ensure the Bank competes effectively working closely with the Business Development and Marketing Director within Property Development
  • Demonstrate the highest level of credit stewardship and in-life loan management and actively support the monitoring of credit portfolio and take action as necessary to minimise risk and ensure quality account management
  • Manage relevant Management Information and ensure appropriate action is reported
  • Review credit applications in accordance with policy and take action as necessary to minimise risks and ensure quality account management of the credit portfolio
  • Provide input to Bank policy including lending guidelines, product development and overall risk management

Skills and Experience sought:

  • Able to generate >£50m new business annually
  • Build and maintain a portfolio of c30 – 40 projects / customers
  • Significant proportion of new business is ultimately written from existing customers
  • Ensure all credit papers are produced with high level of accuracy and in a timely fashion
  • Ensure the portfolio is well managed with all active sites visited quarterly

About UTB

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UTB is a dynamic and expanding specialist bank that provides solutions to our customers and brokers, which help them achieve their ambitions. Recognised as being one of the most dependable and well-respected Specialist Banks in the UK, we were delighted to see our balance sheet exceed the £2bn mark in 2022.

Exceptional customer service and the ability to provide rewarding deposits accounts and flexible lending solutions have helped us to develop productive and enduring relationships with our customers. We understand that their success is our success and that the quality of our people and teams, is key to delivering special outcomes for them.

We also understand that the performance of our people is directly linked to the culture in which they work. There is a strong sense of community at UTB and as well as promoting a clear set of internal values, and providing a wealth of facilities for training, personal development, and team building, we run a busy and varied calendar of engagement and social activity. Typical recent examples include: Pizza Lunch Days and Coffee Catch-ups; London Marathon and Sahara Challenge Sponsorships; Success Sharing and Value Awards; and Awesome Autumn social events ranging from Theatre Trips, Cocktail Mixology, and Cookery Classes, to Go-karting, Mini Golf and Clay pigeon shooting.

Employee benefits

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  • Competitive Salary and Bonus package
  • 26 Days Holiday
  • 2 Wellbeing Days
  • Contributory Pension
  • Life Insurance / Income Protection / Critical Illness cover
  • Private Medical Insurance
  • Season Ticket Loans
  • Excellent career development opportunities and where appropriate sponsorship of a relevant qualification

Apply Now

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Thank you for your interest in our current vacancy. Please click the link below to complete your online application.

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