About the role

Relationship Manager- CRE (M5.M6)

Specification

The Relationship Manager (RM) will be responsible for originating and executing real estate financing transactions across various asset classes and capital structures. The role entails identifying business opportunities, developing tailored financing solutions, conducting financial and credit analysis, and driving end-to-end deal execution in collaboration with internal stakeholders, investors, and external advisors.

The RM will work closely with real estate developers, corporates, and intermediaries to originate, structure, syndicate, and execute transactions across the real estate financing spectrum.

Deliverables

· Identify and originate real estate financing opportunities across residential, commercial, mixed-use, warehousing, and other real estate asset classes.

· Source transactions across real estate developers including:

· Construction finance

· Lease Rental Discounting (LRD)

· Refinance opportunities

· Structured credit and high-yield financing opportunities

· Build and maintain relationships with developers, promoters, CFOs, CXOs of Real Estate Companies.

· Assess business models, project cash flows, asset quality, sponsor strength, and transaction risks.

· Structure financing solutions in line with client requirements and internal risk parameters.

· Coordinate with legal advisors, valuers, technical consultants, rating agencies, trustees, and other external stakeholders during transaction execution.

· Identify and source cross-sell opportunities across bank’s product portfolio including Current Accounts, Debt Capital Markets, Salary Accounts, Trade Products, Forex and others.

· Manage end-to-end deal execution, including:

· Credit approvals

· Due diligence

· Documentation

· Commercial negotiations

· Disbursement and funding

· Play active role in post disbursement monitoring of account and relationship management to ensure repayments in a timely manner

· Responsible for maintaining credit quality of loan portfolio

· Collaborate closely with Credit, Legal, Product, Treasury, Risk, and Operations teams.

Relationships

External – Investors, Legal Counsels, Rating Agency, Trustee, valuation agencies, etc.

Internal clients- Teams across Credit, Technical, Legal, Project Monitoring

Qualification and Experience

· Qualifications: MBA (from top tier institutions); CA (rankers / first attempt)

· Experience profile of at least 8-12 years

· Should have in-depth experience of working with Real Estate Developer’s financing needs

· Relationship at promoter/CXO levels with developers in North India (focus on Delhi-NCR Region)

· Established track record of origination / structuring / placement of RE financing deals across the yield spectrum

· Create deals across situations –acquisitions financing, refinance, stressed assets space, partner/ PE buy outs, Rentals discounting, etc.

· Good understanding of taxation & regulatory framework aspects relevant to structuring, listing, etc.

Skills

· Strong coverage and origination capabilities; relationship management skills

· Knowledge of regulatory guidelines for Real Estate Financing

· Deep relationship at promoter/CXO level with Real Estate developers in Delhi-NCR Region

· Strong analytical abilities and problem-solving mindset.

· Strong financial modeling and presentation skills

· Self-starting & initiative-taking abilities to work in unstructured situations

Corporate Real estate Manager

About the role