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Originator Real Estate Finance
Natixis is the international corporate and investment banking, asset management, insurance and financial services arm of Groupe BPCE, the 2nd-largest banking group in France with 31 million clients spread over two retail banking networks, Banque Populaire and Caisse d’Epargne.
With more than 21,000 employees, Natixis has a number of areas of expertise that are organized into four main business lines: Asset & Wealth Management, Corporate & Investment Banking, Insurance and Specialized Financial Services.
A global player, Natixis has its own client base of companies, financial institutions and institutional investors as well as the client base of individuals, professionals and small and medium-size businesses of Groupe BPCE’s banking networks.
Listed on the Paris stock exchange, it has a solid financial base with a CET1 capital under Basel 3(1) of €12 billion, a Basel 3 CET1 Ratio (1) of 10.9 % and quality long-term ratings (Standard & Poor’s: A+ / Moody’s: A1 / Fitch Ratings: A+).
(1)Based on CRR-CRD4 rules as reported on June 26, 2013, including the Danish compromise - without phase-in .
Figures as at September 30, 2018
The Originator is a key ember of a transaction team. In addition to overseeing the activities listed below, the Originator has responsibility for developing, maintaining and generating revenue from the team’s t clients. Handles all aspects of client interaction, including directing and coordinating the execution of transactions, and executing the most complex transactions independently.
- Comply with limits, policies and procedures;
- Identify origination opportunities including the sourcing of loans;
- Maintain relationships with borrowers and brokers;
- Underwriting of loans;
- Draft all memos for Committee approvals;
- Present transactions within REF for analysis and pricing;
- Present transactions to all relevant committees to seek necessary approvals;
- Ensure required committee approvals have been received;
- Together with Transactions Management, negotiate loan terms and working with outside counsel to document the loans and to perform follow-up on post-closing items;
- Work with Capital Markets to ensure loan terms meet with credit and structural features agreed to in the pricing process;
- Coordinate due diligence process including managing third party service providers such as appraisers, engineers, consultants, etc.
- Ensure that counterparties are vetted according to Natixis Compliance policy;
- Conduct site visits;
- Coordinate the closing process;
- Present final due diligence findings prior to funding to the Funding Committee.
- Conduct business with integrity, due skill, care, diligence and in accordance with Natixis Code of Conduct.
- Consider the interests of the business’ clients and treat them fairly. Communicate to them in a manner which is clear, fair, and not misleading.
- Observe proper standards of market conduct. Take into consideration the possible impact of any action on the bank’s reputation and ensure that the bank’s policies and procedures are enforced.
- Take reasonable care to ensure the suitability of advice to, and discretionary decisions for, any client who is entitled to rely upon the business’ judgement.
- Proactively manage conflicts of interest in conjunction with Compliance rules.
- Arrange adequate protection for clients’ information which is protected by confidentiality standards.
- Deal with regulators in an open and cooperative manner.
- Bachelor’s degree in Business and/or Engineering.
- 10+ years in real estate finance.
- Possess a solid foundation in commercial real estate analysis and valuation.
- Ability to work effectively in a team environment.
- Strong verbal, written communication and interpersonal skills.
- Ability to effectively handle a fast-paced environment and successfully meet established deadline requirements.
- Self-motivated with the ability to work independently.
- FINRA Series 79 and 63 will be required.
Date de publication: 10/01/2019
Processus de recrutement
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