Relationship Manager - Commercial Real Estate

We are inviting applications for Relationship Manager - Commercial Real Estate for an international Bank based in city of London. This position directly reports to the Senior Management with the Bank.

Job Purpose:

Originating, writing and managing Loan Against Property / Commercial Real Estate lending business for ICICI BANK UK Plc. Key responsibilities would include LAP business development, customer acquisition, identifying opportunities for cross sale of bank's other products & services, complying to audit & other parameters under the internal/external policy and regulatory framework, Portfolio Management etc. and ensuring 360 degree coverage of the borrower

Core Responsibility:

Meet the requirements of your position mandate, demonstrate commitment to the Bank's corporate values and best practice ethics, and contribute as an effective team member.

Area of Responsibility:

 Origination of transactions (Direct, Branch Referral, Business Banking Referral, Private Banking Referral, Website leads and also through the broker channel)

 Writing credit application, coordinate with risk for credit proposals and present to risk and executive committee.

 Managing post approval requirements to drawdown of the facility

 Use effective marketing and sales promotional tools for raising the Bank's profile in the target segment

 Active participation in events organized by Bank, broker channel/s, Solicitors, Empanelled Valuation agencies etc. including events having industry forum, focussing on customer service and quality maintenance.

 Regular monitoring of loan accounts, comply with requisite reporting and actionable norms/requirements, timely flagging & communicating the deviations, collections, recovery & follow up with the clients for periodical compliance and reporting requirements

 Understand & comply with conduct risk requirements to meet the Group's conduct risk policies and expectations of regulators.

 To exhibit high levels of customer service & sound understanding of retail & business transactions.

 Review valuation report and prepare valuation summary for approval from Risk Management Group

 Liaise with borrower, Solicitor, CMOG, COPS (disbursement) teams to ensure smooth disbursement of loan proposal

 Coordinating with borrowers for timely submission of post disbursement covenant reports

 Successfully interact with internal stakeholders across different departments, brokers and vendors and exhibit exceptional interpersonal skills.

 New activities identified due to change in processes and products.

 Any other activity in order to facilitate smooth operation of the branch

 To undertake projects and assignment from time to time as directed by Supervisor.

Key Skills and Knowledge Requirement

 Ability to network with potential clients for LAP / CRE as well as build on relationship with existing customers of Bank for LAP / CRE (including Direct & Internal Sourcing)

 Good network of high quality CRE brokers

 To exhibit sound knowledge and competency in Commercial property/asset backed loans in UK

 Have a sound knowledge of property valuation, quality and marketability of properties in the United Kingdom; understanding of legal due diligence & documentation

 Working knowledge of the regulations driving the property or asset backed loans and/or mortgage market in UK.

 Credit Note writing and Credit Assessment skills.

 Banking and Lending experience

 Ability to contribute towards product development, refining lending policies to suit market requirements

 Strong negotiation and presentation skills; ability to communicate with all levels in the organisation

 Self-motivated and self-driven