Relationship Manager – Real Estate

Role Objective

The incumbent will serve as the primary point of contact for the assigned portfolio of Real Estate sector clients. The role involves working with existing clients to support decision-making regarding their accounts and advising on available financial services and credit solutions. Additionally, the incumbent will identify potential credit sales opportunities to generate new business within the sector and review credit applications, providing recommendations on lending viability to senior management.

Roles and Responsibilities :

Assist in implementing the Real Estate sector strategy and support the team in executing annual business plans, budgets, policies, and procedures.

Originate, maintain, and develop relationships with clients to grow the Real Estate sector credit portfolio.

Promote cash management, working capital, trade finance, payments, collections, and other commercial products and services to achieve growth targets.

Enhance the section’s profitability by selling financial solutions tailored to Real Estate sector entities.

Coordinate with Department / Section Heads within Wholesale Banking to consolidate cross-sales efforts.

Independently engage with assigned clients to understand their business and banking needs.

Receive and review credit applications from new and existing Real Estate sector clients.

Review internal credit ratings and RAROC for lending clients, updating annually or as new facilities / information arise.

Collaborate closely with ARMs / Credit Analysts to assess credit applications, including financial statements, and translate financial soundness into credit assessments before making credit recommendations to the Credit Committee.

Manage service and account management needs of designated Real Estate sector clients.

Requirements

Qualifications & Experience

University graduate with a degree in Business, Banking, Finance, or a related discipline.

Master’s degree in Management or related field is an advantage.

Professional certifications such as CFA, CPA, CA, or CMA are preferred.

8–12 years of experience in the financial services or banking industry with responsibilities related to business or relationship management in the Real Estate sector.

Strong understanding of the local banking industry and familiarity with best practices across various economic sectors.

Knowledge of wholesale banking and broader industry trends relevant to the Real Estate sector.