Relationship Manager – Structured Real Estate

Al Rayan Bank UK is seeking an experienced Relationship Manager for its Structured Real Estate department, based in London. This senior client-facing role combines new business development with portfolio management in Islamic banking's real estate finance sector.

**Role Overview**

The Relationship Manager will take responsibility for generating new business opportunities in commercial real estate finance while maintaining and growing an existing client portfolio. Working alongside the Head of Structured Real Estate, you will structure Sharia-compliant financing solutions that meet both commercial objectives and Islamic banking principles, with applications closing 30 June 2026.

**Key Responsibilities**

• Identify and evaluate commercial real estate opportunities in partnership with the Head of Structured Real Estate, ensuring alignment with bank strategy
• Originate new business deals and prepare comprehensive analysis for presentation to Credit Committees
• Structure Sharia-compliant financing solutions that meet both bank policy and Islamic requirements
• Monitor assigned client portfolios for emerging risks, including early warning indicators, and develop appropriate recovery or remediation strategies
• Prepare high-quality credit proposals in full compliance with bank policy and regulatory requirements
• Conduct detailed cash flow modelling and stress testing using risk assessment tools
• Perform annual customer reviews and maintain up-to-date due diligence documentation
• Manage full financing lifecycle with assigned clients, including covenant monitoring and compliance
• Maintain comprehensive product knowledge across the bank's assets, liability, and fee income offerings
• Collaborate with Credit Underwriting and internal stakeholders to meet asset targets
• Build and maintain relationships with key business introducers and broker networks to drive deal flow
• Cross-sell additional bank products and services to existing clients where appropriate

**Requirements and Qualifications**

• Degree-level education in finance, business, or related field; or equivalent professional experience
• Proven experience working in regulated UK financial environments with solid knowledge of applicable regulatory frameworks
• Prior experience in UK real estate finance with familiarity of relevant regulations
• Strong oral and written communication skills, with ability to present confidently to senior stakeholders and Credit Committees
• Technical expertise in credit analysis, cash flow modelling, and covenant assessment
• Strategic problem-solving capability with sound commercial judgement
• Demonstrated behavioural competencies: integrity, ownership, collaborative delivery, and commitment to working within a compliant framework

**What We Offer**

• Full-time permanent position
• Competitive salary with discretionary annual bonus
• Private healthcare coverage
• 30 days' annual holiday
• 12% contributory pension scheme