Relationship Manager - Commercial Real Estate

We are Hiring for a Business Development Manager for an International Bank based in Milton Keynes and cover midland area.

Job Purpose:

Originating, writing and managing Loan Against Property / Commercial Real Estate lending business for International BANK in UK. 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:

\n
• Origination of transactions (Direct, Branch Referral, Business Banking Referral, Private Banking Referral, Website leads and also through the broker channel)
\n
• Writing credit application, coordinate with risk for credit proposals and present to risk and executive committee.
\n
• Managing post approval requirements to drawdown of the facility
\n
• Use effective marketing and sales promotional tools for raising the Bank's profile in the target segment
\n
• 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.
\n
• 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
\n
• Understand & comply with conduct risk requirements to meet the Group's conduct risk policies and expectations of regulators.
\n
• To exhibit high levels of customer service & sound understanding of retail & business transactions.
\n
• Review valuation report and prepare valuation summary for approval from Risk Management Group
\n
• Liaise with borrower, Solicitor, CMOG, COPS (disbursement) teams to ensure smooth disbursement of loan proposal
\n
• Coordinating with borrowers for timely submission of post disbursement covenant reports
\n
• Successfully interact with internal stakeholders across different departments, brokers and vendors and exhibit exceptional interpersonal skills.
\n
• New activities identified due to change in processes and products.
\n
• Any other activity in order to facilitate smooth operation of the branch
\n
• To undertake projects and assignment from time to time as directed by
\n

Key Skills and Knowledge Requirement

\n
• 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)
\n
• Good network of high quality CRE brokers
\n
• To exhibit sound knowledge and competency in Commercial property/asset backed loans in UK
\n
• Have a sound knowledge of property valuation, quality and marketability of properties in the United Kingdom; understanding of legal due diligence & documentation
\n
• Working knowledge of the regulations driving the property or asset backed loans and/or mortgage market in UK.
\n
• Credit Note writing and Credit Assessment skills.
\n
• Banking and Lending experience
\n
• Ability to contribute towards product development, refining lending policies to suit market requirements
\n
• Strong negotiation and presentation skills; ability to communicate with all levels in the organisation
\n
• Self-motivated and self-driven
\n