BNF Bank p.l.c

Malta

United Kingdom

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On Premises

We are a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands.&nbsp;
We are a team of inspired people who believe that opportunities start with a conversation.&nbsp;
<h4>‍Duties and Responsibilities&nbsp;</h4>
We are seeking a detail-oriented, analytical, and highly organised CDD Senior Analyst to join our Financial Crime Compliance (FCC) team. This role plays a critical part in ensuring the bank meets its obligations under Anti-Money Laundering (AML), Countering the Financing of Terrorism (CFT), and Sanctions frameworks through robust Customer Due Diligence (CDD) and Customer Risk Assessment (CRA) processes.
The successful candidate will demonstrate strong critical thinking, a high level of diligence, and the ability to operate effectively both independently and as part of a team.
You will be responsible to:
<ul>
<li>Coordinate and execute tasks, processes and projects related to; Customer Due Diligence (CDD), Customer Risk Assessments (CRA), Correspondent banking and suppliers’ due diligence, Politically Exposed Persons (PEPs) and other high-risk customers, Data quality and integrity initiatives relating to customers and any other ad-hoc initiatives;</li>
<li>Review and provide feedback on customer profiles at onboarding and periodic review stages, with a focus on high-risk clients;</li>
<li>Support the development, implementation, and ongoing enhancement of FCC policies, procedures, and controls;</li>
<li>Contribute to the AML/CFT &amp; Sanctions oversight program, including; Business Risk Assessments (BRA), Risk Evaluation Questionnaires (REQ), Follow-up and tracking of audit and regulatory findings;</li>
<li>Maintain and test the CRA methodology via automated tools, recommending enhancements as needed;</li>
<li>Support in the submission of Central Bank Account Registry reports to the Regulator;</li>
<li>Prepare and deliver management information (MI) and reporting across key FCC metrics and activities;</li>
<li>Support the maintenance and review of correspondent banking relationships and associated due diligence;</li>
<li>Monitor regulatory developments and ensure policies and procedures remain up to date and compliant;</li>
<li>Identify training needs and support the delivery of targeted FCC-related training to junior team members and the wider business;</li>
<li>Provide support on ad hoc investigations, thematic reviews, and projects as assigned by the FCC management;</li>
<li>Handle queries from internal stakeholders on CDD and sanctions matters; and</li>
<li>Foster a culture of compliance and strong risk awareness across the organisation.</li>
</ul>
<h4>Skills and Competencies</h4>
What We Are Looking For
We are looking for someone who thrives in a structured, detail-driven environment, brings a strong sense of ownership to their work, and is passionate about upholding high standards in compliance.
The ideal candidate will have:
<ul>
<li>Attention to detail – Able to spot inconsistencies and maintain high standards of accuracy;</li>
<li>Strong organisational skills – Can manage workload independently, set priorities, and meet deadlines reliably;</li>
<li>Analytical thinking – Able to assess complex information, identify financial crime risks, and make sound decisions;</li>
<li>Relevant experience – 3–5 years in CDD, KYC, AML, or FCC roles within the banking or financial services sector;</li>
<li>Sound understanding of FCC policies and regulatory requirements, especially around CDD, high-risk customers, and correspondent banking;</li>
<li>Resilience under pressure – Comfortable working in a fast-paced environment with time-sensitive tasks;</li>
<li>Team player mindset – Willing to support and mentor junior staff and contribute positively to the team’s success;</li>
<li>Self-starter attitude – Can work with minimal supervision while knowing when to escalate or collaborate; and</li>
<li>Strong communication skills – Clear, concise, and professional in both written and verbal formats.</li>
</ul>
<h4>What we Offer&nbsp;</h4>
<ul>
<li>Ongoing personal development;&nbsp;</li>
<li>Preferential interest rates on home loans, personal loans and home value loans;&nbsp;</li>
<li>Comprehensive support for academic advancement through fully subsidized staff study loans;&nbsp;</li>
<li>Private clinic health insurance coverage, extendable to dependants;&nbsp;</li>
<li>Life insurance and personal accident cover;&nbsp;</li>
<li>Free ophthalmic examinations;&nbsp;</li>
<li>Private counselling sessions in collaboration with Richmond Foundation;&nbsp;</li>
<li>Additional half-day leave for birthday celebrations;&nbsp;</li>
<li>Annual performance appraisals and salary reviews;&nbsp;</li>
<li>€250 annual wellness allowance;&nbsp;</li>
<li>Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40;&nbsp;</li>
<li>Flexible work arrangements (role permitting); and&nbsp;</li>
<li>Various corporate discounts.&nbsp;</li>
</ul>
BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

We are a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of over 270 employees, the Bank offers...

CDD Senior Analyst - Financial Crime Compliance

We're a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. With a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands.&nbsp;
Duties and responsibilities
The Administrative Officer – Customer Review Unit will be responsible for conducting detailed Customer Due Diligence (CDD) reviews. The Administrative Officer will be responsible to perform Customer Risk Assessments (CRA) together with ongoing client monitoring. The Administrative Officer will collect documentation and information required for the completion of the CDD profile throughout the entirety of the customer lifecycle, CDD trigger events and reviews.
The Administrative Officer will need to:
<ul>
<li>Carry out Ongoing Monitoring and Trigger Reviews of Customers using the risk-based approach as established in the Bank’s Policies and Procedures, Customer Acceptance Policy and Customer Due Diligence Principles;</li>
<li>Manage existing client CDD and CRA processes by analysing documentation collected, collate all information arising from investigations and record all findings accordingly in the defined SLAs, ensuring any risks to the timescales are escalated to the Head of Unit;</li>
<li>Liaise with the client and actively participate in gathering detailed client information and supporting documentation required to complete the CDD profile and CRA reviews;&nbsp;&nbsp;&nbsp;</li>
<li>Analyse client transaction behaviour and correlate with the source of funds and source of wealth information and documentation collected from the customer and other sources, furthermore if suspicious of ML/FT arise, then escalate and raise STR accordingly;&nbsp;</li>
<li>Ensure that any data input is dealt with in a timely manner and in the correct and consistent format;</li>
<li>Conduct on-site and off-site client reviews keeping record thereof;</li>
<li>Demonstrate team spirit by completing standard office tasks and other duties such as liaising with colleagues and clients to ensure that the Bank's obligations are met whilst maintaining the highest standard of excellence in customer service;</li>
<li>Ensure Sanctions Screening, KYC and PEP’s are fully investigated in line with regulatory requirements and the Bank’s policies and guidelines; and</li>
<li>Strictly follow procedures, and work closely with CRU Manger to ensure the standards, workflows are respected and that potential risks are properly mitigated.</li>
</ul>
Competencies and experience
The potential candidate should be reliable and trustworthy, well-organised with a disposition to learn and have a team-oriented approach. The candidate should also demonstrate excellent written and verbal communication skills in both English and Maltese, with the ability to communicate effectively using a high level of business English.
The Administrative Officer will need to have:
<ul>
<li>Strong KYC and Customer Due Diligence knowledge;</li>
<li>Internal and External Stakeholder management;</li>
<li>Excellent verbal, formal written communication and social skills;</li>
<li>Strong Data Analytics and Data Management;&nbsp;</li>
<li>Excellent planning, organisation and time management abilities;</li>
<li>Ability to be flexible, manage priorities whilst remaining calm under pressure;&nbsp;&nbsp;&nbsp;</li>
<li>A positive ‘can do’ attitude and an ability to take ownership of tasks through to completion;</li>
<li>Drive and resilience with ability to have difficult conversations;</li>
<li>Ability to work collaboratively and independently when required;</li>
<li>Ability to prioritise and be meticulous with attention to detail ;&nbsp;</li>
<li>Ability to be objective oriented and commercially minded.</li>
</ul>
What we Offer
<ul>
<li>Ongoing personal development;&nbsp;</li>
<li>Preferential interest rates on home loans, personal loans and home value loans;&nbsp;</li>
<li>Comprehensive support for academic advancement through fully subsidized staff study loans;&nbsp;</li>
<li>Private clinic health insurance coverage, extendable to dependants;&nbsp;</li>
<li>Life insurance and personal accident cover;&nbsp;</li>
<li>Free ophthalmic examinations;&nbsp;</li>
<li>Private counselling sessions in collaboration with Richmond Foundation;&nbsp;</li>
<li>Additional full-day leave for birthday celebrations;&nbsp;</li>
<li>Annual performance appraisals and salary reviews;&nbsp;</li>
<li>€400 annual wellness allowance;&nbsp;</li>
<li>Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40;&nbsp;</li>
<li>Flexible work arrangements (role permitting); and&nbsp;</li>
<li>Various corporate discounts.&nbsp;</li>
</ul>
BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

We're a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. With a team of over 270 employees, the Bank offers a full...

Administrative Officer - Customer Due Diligence (Customer Review Unit)

We are a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands.
We are a team of inspired people who believe that opportunities start with a conversation.
Duties &amp; Responsabilites
The Relationship Associate will support the Corporate Real Estate Relationship Manager and Branch Management team in the onboarding, execution and ongoing management of commercial real estate lending relationships.
The role is responsible for assisting with credit analysis, transaction management, customer due diligence, portfolio monitoring and client servicing activities throughout the customer lifecycle.
The successful candidate will play an important role in maintaining high standards of credit quality, regulatory compliance and customer service whilst supporting the continued growth of the London Branch's Commercial Real Estate portfolio.
Key Responsibilities
1. Relationship Management Support
•	Support the Relationship Manager in the management of client relationships.&nbsp;
•	Act as a key point of contact for clients on day-to-day servicing matters.&nbsp;
•	Coordinate client information requests and documentation requirements.&nbsp;
•	Assist in identifying opportunities to deepen existing client relationships.&nbsp;
•	Ensure a high standard of client service is always maintained.&nbsp;
2. Credit and Transaction Support
•	Assist in the preparation of credit applications, annual reviews and amendment requests.&nbsp;
•	Gather and analyse borrower financial information and supporting documentation.&nbsp;
•	Support the preparation of transaction summaries and credit papers.&nbsp;
•	Coordinate valuations, legal, due diligence and transaction closing requirements.&nbsp;
•	Assist the Relationship Manager in monitoring covenant compliance and facility conditions.&nbsp;
•	Maintain accurate credit files and supporting records.&nbsp;
3. Portfolio Management
•	Support ongoing monitoring of the commercial real estate portfolio.&nbsp;
•	Assist with annual reviews and periodic credit assessments.&nbsp;
•	Monitor expiry dates, covenant testing requirements and review schedules.&nbsp;
•	Escalate potential risks, covenant breaches or emerging concerns.&nbsp;
•	Support portfolio reporting and management information requirements.&nbsp;
4. Customer Due Diligence and Financial Crime Compliance
•	Conduct customer onboarding and periodic KYC/CDD reviews.&nbsp;
•	Perform customer risk assessments in accordance with Bank policies.&nbsp;
•	Ensure all customer files remain complete, accurate and up to date.&nbsp;
•	Assist with trigger event reviews and ongoing monitoring requirements.&nbsp;
•	Support AML, Financial Crime and Sanctions compliance processes.&nbsp;
•	Liaise with Compliance, MLRO and Operations teams as required.&nbsp;
5. Data Management and Reporting
•	Maintain accurate client, transaction and portfolio data.&nbsp;
•	Ensure information is recorded consistently across all systems.&nbsp;
•	Produce management information and portfolio reports as required.&nbsp;
•	Support regulatory and internal reporting obligations.&nbsp;
•	Assist in maintaining data quality and document management standards.&nbsp;
6. Stakeholder Coordination
•	Work closely with Relationship Managers, Credit Risk, Operations, Compliance and Legal teams.&nbsp;
•	Coordinate internal approvals and documentation requirements.&nbsp;
•	Participate in client meetings, lender meetings and syndication discussions where appropriate.&nbsp;
•	Support effective communication between the London Branch and Malta Head Office.&nbsp;
Experience
•	Minimum 3–5 years' experience within UK commercial banking, real estate finance or corporate banking.&nbsp;
•	Experience supporting lending transactions within a regulated banking environment.&nbsp;
•	Exposure to commercial real estate lending is highly desirable.&nbsp;
•	Experience in customer due diligence, credit administration or relationship management support.&nbsp;
•	Understanding of UK banking and financial services regulations.&nbsp;
Qualifications
•	Bachelor's Degree in Finance, Banking, Business, Economics or a related discipline.&nbsp;
•	Professional banking qualification will be considered advantageous.&nbsp;
•	AML, Compliance or Financial Crime certification would be beneficial.&nbsp;
Skills
•	Strong analytical and financial assessment skills.&nbsp;
•	Understanding of commercial lending and credit processes.&nbsp;
•	Excellent organisational and transaction management capabilities.&nbsp;
•	Strong attention to detail and accuracy.&nbsp;
•	Excellent written and verbal communication skills.&nbsp;
•	Ability to manage multiple priorities and deadlines.&nbsp;
•	Strong stakeholder management and relationship-building skills.&nbsp;
•	Proficiency in Microsoft Office applications and banking systems.&nbsp;
Personal Attributes
•	High level of integrity and professionalism.&nbsp;
•	Strong sense of ownership and accountability.&nbsp;
•	Team-oriented with a collaborative approach.&nbsp;
•	Commercially aware and client focused.&nbsp;
•	Proactive and self-motivated.&nbsp;
•	Ability to work effectively under pressure.&nbsp;
Success Measures
•	Timely completion of annual reviews and credit administration requirements.&nbsp;
•	High quality and accuracy of credit and client documentation.&nbsp;
•	Strong KYC/CDD compliance performance.&nbsp;
•	Effective support of new business origination and transaction execution.&nbsp;
•	Positive client and stakeholder feedback.&nbsp;
•	Contribution to portfolio growth whilst maintaining strong risk discipline.
What we Offer
<ul>
<li>Ongoing personal development;</li>
<li>Preferential interest rates on home loans, personal loans and home value loans;</li>
<li>Comprehensive support for academic advancement through fully subsidized staff study loans;</li>
<li>Private clinic health insurance coverage, extendable to dependants;</li>
<li>Life insurance and personal accident cover;</li>
<li>Free ophthalmic examinations;</li>
<li>Private counselling sessions in collaboration with Richmond Foundation;</li>
<li>Additional full-day leave for birthday celebrations;</li>
<li>Annual performance appraisals and salary reviews;</li>
<li>€400 annual wellness allowance;</li>
<li>Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40;</li>
<li>Flexible work arrangements (role permitting); and</li>
<li>Various corporate discounts.</li>
</ul>
BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Relationship Associate – Commercial Real Estate - London Branch

We're a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. With a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands.&nbsp;
<h3>Duties and Responsibilities</h3>
As a Data &amp; Commercial Support Lead, you will play a key role in maintaining data quality and integrity while providing essential support across commercial, supervisory, and operational activities. Your contribution will support effective decision-making and help ensure data-driven business operations.
You will be responsible to:&nbsp;
<ul>
<li>administer databases and coordinate the collection, consolidation, and analysis of data from various functions within the Bank;</li>
<li>support Commercial Teams in the preparation of reports, insights, and presentations based on organisational data;</li>
<li>compile and deliver accurate statistics, data sets, and analytical reports as per departmental needs;</li>
<li>manage and maintain analytical tools and dashboards (ex. Power BI, Excel-based models) used by the department;</li>
<li>facilitate coordination and information flow between Bank units and external/internal stakeholders;</li>
<li>troubleshoot data-related issues and recommend effective solutions;</li>
<li>ensure full compliance with internal policies, guidelines, and regulatory frameworks; and</li>
<li>undertake additional duties and ad-hoc projects as directed by management.</li>
</ul>
<h3>Competencies and Experience</h3>
You must:
<ul>
<li>possess strong understanding of analytical techniques and methodologies;</li>
<li>have the ability to turn data into actionable insights and effectively communicate findings to both technical and non-technical stakeholders;</li>
<li>demonstrate experience in data collection, analysis, and reporting to business users;</li>
<li>possess excellent communication, interpersonal, and collaboration skills;</li>
<li>have a problem-solving mindset, proactive, and resilient under pressure;</li>
<li>have a customer-centric approach and strong attention to detail;</li>
<li>be proficient in MS Office applications, especially MS Excel and SharePoint;</li>
<li>possess a Degree or Diploma in Finance, Business, Economics, or a related field;</li>
<li>possess a qualification or practical experience in Business Statistics and/or Data Visualisation (ex. Power BI) is an asset; and</li>
<li>minimum of 2 years of experience in a similar role, preferably within the financial services industry, using Microsoft technologies.</li>
</ul>
<h3>What we Offer</h3>
<ul>
<li>Ongoing personal development;&nbsp;</li>
<li>Preferential interest rates on home loans, personal loans and home value loans;&nbsp;</li>
<li>Comprehensive support for academic advancement through fully subsidized staff study loans;&nbsp;</li>
<li>Private clinic health insurance coverage, extendable to dependants;&nbsp;</li>
<li>Life insurance and personal accident cover;&nbsp;</li>
<li>Free ophthalmic examinations;&nbsp;</li>
<li>Private counselling sessions in collaboration with Richmond Foundation;&nbsp;</li>
<li>Additional half-day leave for birthday celebrations;&nbsp;</li>
<li>Annual performance appraisals and salary reviews;&nbsp;</li>
<li>€400 annual wellness allowance;&nbsp;</li>
<li>Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40;&nbsp;</li>
<li>Flexible work arrangements (role permitting); and&nbsp;</li>
<li>Various corporate discounts.&nbsp;</li>
</ul>
BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Data & Commercial Support Lead

We are a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands.
We are a team of inspired people who believe that opportunities start with a conversation.
‍Duties &amp; Responsibilities
You will be responsible :

<ul>
<li>To maintain and enhance the Bank’s compliance framework, policies, procedures and standards, including Data Protection</li>
<li>To ensure consistent application of compliance standards across the Bank.</li>
<li>To advise management and staff on data protection obligations and practical application.</li>
<li>To ensure appropriate privacy governance for new products, channels, and change initiatives.</li>
<li>To monitor local, UK and EU regulatory developments and assess impact.</li>
<li>To lead regulatory change—interpret requirements, coordinate assessments, and support implementation (REM).</li>
<li>To assess effectiveness of key privacy controls (lawful basis, minimisation, retention, access, rights, third parties).</li>
<li>To track findings, ensure timely remediation, and escalate high-risk/overdue issues.</li>
<li>To lead, review and oversee DPIAs, Record of Processing Activities (RoPA), data mapping and retention periods and disposal practices.</li>
<li>To provide recommendations/sign-off for high-risk processing where required.</li>
<li>To advise and oversee cross-border transfers and safeguards and vendor selection processes.</li>
<li>To oversee handling of data subject rights, breached and complaints (access, erasure, etc.), ensuring timeliness, consistency, and auditability.</li>
<li>To review complaints and ensure root-cause remediation of recurring issues and advise on future mitigation.</li>
<li>To deliver role-based training and awareness initiatives, promote a strong culture of integrity and regulatory awareness.</li>
<li>To mentor and support junior and senior team members and lead onboarding and induction for new RCD staff.</li>
<li>To act as liaison with the IDPC.</li>
<li>To act as the Bank’s Data Protection Officer</li>
<li>To deputise for the Head of Regulatory Compliance, if necessary</li>
</ul>
Competencies and experience 
The potential candidate should be reliable and trustworthy team player with an aptitude for learning, able to work in a dynamic environment, meticulous and organised in your work.
You must:
<ul>
<li>Sound judgement and risk-based decision making</li>
<li>Strong analytical, critical-thinking and documentation skills</li>
<li>Influencing and negotiation skills</li>
<li>Practical problem-solving and resilience</li>
<li>Excellent communication and stakeholder management abilities.</li>
<li>High level of integrity, independence, attention to detail, professionalism, and sound judgment.</li>
<li>Positive ‘can do’ attitude and an ability to take ownership of tasks through to completion</li>
<li>Ability to handle difficult conversations</li>
<li>Well-developed written and verbal communication skills in English and ideally Maltese languages.&nbsp;</li>
<li>Be proficient in Microsoft Office applications</li>
<li>Experience in the Data Protection field is a requirement.</li>
<li>Have at least 3 years of experience in a similar role; and</li>
<li>Ideally hold a Bachelor’s Degree in Law or Banking &amp; Finance or Data Protection equivalent.</li>
</ul>
What we Offer 
<ul>
<li>Ongoing personal development;&nbsp;</li>
<li>Preferential interest rates on home loans, personal loans and home value loans;&nbsp;</li>
<li>Comprehensive support for academic advancement through fully subsidized staff study loans;&nbsp;</li>
<li>Private clinic health insurance coverage, extendable to dependants;&nbsp;</li>
<li>Life insurance and personal accident cover;&nbsp;</li>
<li>Free ophthalmic examinations;&nbsp;</li>
<li>Private counselling sessions in collaboration with Richmond Foundation;&nbsp;</li>
<li>Additional full-day leave for birthday celebrations;&nbsp;</li>
<li>Annual performance appraisals and salary reviews;&nbsp;</li>
<li>€400 annual wellness allowance;&nbsp;</li>
<li>Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40;&nbsp;</li>
<li>Flexible work arrangements (role permitting); and&nbsp;</li>
<li>Various corporate discounts.&nbsp;</li>
</ul>
BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Regulatory Compliance Manager specialising in Data Protection (DPO)

We are a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands.
We are a team of inspired people who believe that opportunities start with a conversation.
Duties &amp; Responsibilities
The Corporate Real Estate Relationship Manager is responsible for originating, structuring, executing and managing commercial real estate lending relationships across the United Kingdom and selected international markets.
The role will focus on developing new business opportunities, building strong relationships with sponsors and intermediaries, and delivering profitable growth within the Bank's approved risk appetite.
The Relationship Manager will act as the primary point of contact for clients throughout the lifecycle of the relationship, from origination through to ongoing portfolio management.
Key Responsibilities
<ins>Business Development and Origination</ins>
<ul>
<li>Originate new real estate lending opportunities.&nbsp;</li>
<li>Build relationships with:&nbsp;</li>
<li>Real estate developers.&nbsp;</li>
<li>Property investors.&nbsp;</li>
<li>Private equity firms.&nbsp;</li>
<li>Debt advisers.&nbsp;</li>
<li>Brokers.&nbsp;</li>
<li>Professional intermediaries.&nbsp;</li>
<li>Generate new lending opportunities aligned to Bank strategy.&nbsp;</li>
<li>Build and maintain a strong market profile.&nbsp;</li>
</ul>
<ins>Transaction Structuring</ins>
•	Structure lending solutions appropriate to client requirements.&nbsp;
•	Prepare credit applications and supporting documentation.&nbsp;
•	Conduct financial analysis and transaction assessments.&nbsp;
•	Present opportunities to internal credit committees.&nbsp;
•	Coordinate legal, valuation and due diligence processes.&nbsp;
<ins>Relationship Management</ins>
•	Manage a portfolio of corporate real estate clients.&nbsp;
•	Act as primary client contact.&nbsp;
•	Identify opportunities for relationship deepening.&nbsp;
•	Monitor client performance and covenant compliance.&nbsp;
•	Ensure high levels of client satisfaction.&nbsp;
<ins>Portfolio Management</ins>
•	Monitor portfolio performance and credit quality.&nbsp;
•	Identify emerging risks and early warning indicators.&nbsp;
•	Ensure timely annual reviews and facility renewals.&nbsp;
•	Maintain accurate client and portfolio information.&nbsp;
•	Support remediation activities where required.&nbsp;
<ins>Credit and Risk Management</ins>
•	Maintain strong underwriting standards.&nbsp;
•	Ensure transactions comply with policy and risk appetite.&nbsp;
•	Assess borrower strength, security quality and repayment capacity.&nbsp;
•	Escalate concerns appropriately.&nbsp;
•	Support portfolio stress testing and monitoring exercises.&nbsp;
<ins> Market Development</ins>
•	Maintain detailed knowledge of UK real estate markets.&nbsp;
•	Identify emerging market trends and opportunities.&nbsp;
•	Contribute to development of lending products and sector strategies.&nbsp;
•	Enhance the Bank's profile within the real estate finance sector.&nbsp;
Experience
•	Minimum 8–12 years experience in commercial real estate finance.&nbsp;
•	Proven track record originating and executing real estate transactions.&nbsp;
•	Experience with transactions ranging from £5m–£50m+.&nbsp;
•	Experience within a regulated banking environment.&nbsp;
•	Strong understanding of UK commercial real estate markets.&nbsp;
Skills
The potential candidate should have a positive attitude, be well-organised, with a disposition to learn. The selected candidate must be meticulous with a team-oriented approach to work.
•	Real estate credit analysis.&nbsp;
•	Financial modelling.&nbsp;
•	Transaction structuring.&nbsp;
•	Relationship management.&nbsp;
•	Negotiation and influencing skills.&nbsp;
•	Market networking and business development.&nbsp;
•	Strong communication and presentation skills.&nbsp;
Success Measures
•	New lending volumes originated.&nbsp;
•	Portfolio growth.&nbsp;
•	Portfolio quality and impairment performance.&nbsp;
•	Revenue generation.&nbsp;
•	Client retention and satisfaction.&nbsp;
•	Achievement of risk-adjusted return targets.&nbsp;
What we Offer
<ul>
<li>Ongoing personal development;</li>
<li>Preferential interest rates on home loans, personal loans and home value loans;</li>
<li>Comprehensive support for academic advancement through fully subsidized staff study loans;</li>
<li>Private clinic health insurance coverage, extendable to dependants;</li>
<li>Life insurance and personal accident cover;</li>
<li>Free ophthalmic examinations;</li>
<li>Private counselling sessions in collaboration with Richmond Foundation;</li>
<li>Additional full-day leave for birthday celebrations;</li>
<li>Annual performance appraisals and salary reviews;</li>
<li>€400 annual wellness allowance;</li>
<li>Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40;</li>
<li>Flexible work arrangements (role permitting); and</li>
<li>Various corporate discounts.</li>
<li>BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.</li>
</ul>

Corporate Real Estate Relationship  Manager - London Branch