Having been in the lending market for many years, we know what property clients want from a bank:
Expertise
- We only employ executives with considerable property knowledge. We undertake our own in-house valuations for most residential development projects and only take third party professional advice when absolutely necessary. We get closer to the transactions we fund than many of our competitors.
Bespoke solutions
- We tailor solutions to the specific needs of the client and the property in question. In this respect we meet every client and visit every property we fund to ensure that we fully understand the requirements of each individual deal.
A consistent approach
- We have consistently lent through good times and bad, applying the same criteria to our core businesses. When times get tough, our clients know that they can rely on us to be in the market.
Fast deal turnaround
- When timing is tight, clients want an answer on funding quickly. We are well structured to satisfy this need. We have bi-weekly credit committees and ad-hoc meetings when necessary. Most credit decisions are taken in-house, not in some distant head office.
Relationship management
- We do not separate deal origination, credit approval and account management functions. The executives who attend the initial client meeting are the executives who manage the client relationship on an ongoing basis.
Director involvement
- All clients are allocated a director and a senior executive from the outset. Clients deal with decision makers who sit on the bank’s Credit Committee.
Enduring relationships
- Close client contact is maintained at all times, involving regular site visits and meetings where necessary. In this way we build strong, lasting relationships. Although much of our business is transactional, we see ourselves as a true relationship lender.