Associate, Real Estate Finance Dublin

Location/Office Policy: Dawson Street, Dublin 2 Or South Mall, Cork with Hybrid Working

Currently 2 days per week in the office moving to 3 days from 1st January 2026 (days TBC)

Do you want to build a career in a fast-moving team that is focussed on funding developers to address the housing crisis and landlords providing commercial real estate space?

Do you want to work in a specialist real estate unit, working alongside valuers, engineers and economists, together with lending colleagues?

We want to hear from driven individuals who work collaboratively with colleagues and want a rewarding career in the property market.

What is the Role
Real Estate Finance (REF) is a specialist customer facing department in AIB Capital Markets. We are a team of 65 people with a mix of disciplines including data experts, economists and a Chartered Engineer who help us make better decisions.

We work collaboratively in a vital role, ensuring that we play our part in addressing the housing situation by funding the development of A-rated homes in RoI. Working closely with the largest developers in the country, we also encourage them to improve further the sustainability credentials of those homes.

We fund institutional and large private investors for the purchase of commercial real estate assets across Ireland and in Europe through participation in large international syndicates. We work with these borrowers to develop a transition plan to improve the quality of their buildings.

We already have a broad variety of people working in the department and are seeking to hire new people into a number of roles across REF. Having experience in property related lending is an advantage, but not a must have.

Key accountabilities

Commitment to managing and maintaining a strong relationship with existing clients, assisting the team with the provision of a first‑class quality customised service to a broad customer base.

Manage applications through the credit process, including the writing of papers and presentation at Credit Committee.

Monitoring of Covenant compliance and review of ongoing financial and non‑financial information provided.

Review Legal documents, Technical reports and Construction/Operational updates from customers or advisors.

Enhance relationships with new and existing customers with good communication and customer focus.

Ensure compliance and administration obligations are satisfied to a high degree.

What you Will Bring

4+ years' experience within a similar area which could include Banking, Advisory or Industry.

Strong Financial Analysis, Strong credit skills and Proficiency in financial modelling.

An ability to work on own initiative and interact as part of a highly motivated team, collaborate and be a positive team player.

Experience in contributing to the preparation of credit applications and proficiency with Word and Excel. Credit assessment and credit management skills including cashflow analysis and financial modelling.

Demonstrate an interest of macro‑economic environment, industry and trends including sustainability.

Analytical mindset and results focussed.

Team player with good communication and influencing skills.

This role is part of the Fitness & Probity Regime and Individual Accountability Framework, which set out the specific requirements applicable.

Why Work for AIB
We are committed to offering our colleagues choice and flexibility in how we work and live and our hybrid working model enables our people to balance their time between working from home and their designated office, subject to their role, the needs of our customers and business requirements.

Benefits

Variable Pay

Employee Assistance Programme

Family leave options

Key Capabilities
Behavioural

Ensures accountability

Technical

Customer relationship management

Negotiation and influence

If you are not sure about your suitability based on any aspects of the role advertised, we encourage you to please contact the Recruiter for this role, Noelle Ryan at careers@aib.ie for a conversation.

AIB is an equal opportunities employer, and we pride ourselves on being the first bank in Ireland to receive the Investors in Diversity Gold Standard accreditation from the Irish Centre for Diversity. We are committed to providing reasonable accommodations for applicants and employees. Should you have a reasonable accommodation request please email the Talent Acquisition team at careers@aib.ie

Disclaimer: (On external only) Unsolicited CV’s sent to AIB by Recruitment Agencies will not be accepted for this position. AIB operates a direct sourcing model and where agency assistance is required, the Talent Acquisition team will engage directly with our recruitment partners.

Application deadline : Tuesday 18th November (just before midnight)

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