Sales Officer-RA Tractor Finance

Job Description

Role description

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Job Title:

Relationship Manager – Reality Business Finance

Job Details:

Business Unit:

Reality Business Finance

Group:

Reality Business Finance

Reports to:

Head – Reality Business Finance

Location:

Mumbai, Chennai, Delhi, Ahmedabad (Pan India)

Job Function:

Sales

Role Type:

Individual Contributor

Direct Reportees:

Nil

Travel Required:

Yes

Job Band Range:

E4-D3

JD Created/Updated Date:

20-09-2023

Version No:

1.0

Position purpose:

Origination, execution, and monitoring of real estate project financing, bridge loan financing, and commercial warehousing financing transactions in respective geographies.

Job Responsibilities:

Lead real estate project finance/bridge finance for the bank.

Acquire new clients and oversee existing relationships in the real estate sector.

Work with developers/corporates for funding qualifications, building strong relationships with top management.

Lead a group and oversee financing transactions end-to-end, including sourcing, due-diligence, credit evaluation, approvals, and post-disbursement responsibilities.

Lead negotiations with clients and intermediaries.

Lead syndication process if necessary.

Review and finalize project agreements with legal counsel.

Monitor loans, address challenges, and highlight early warning signals.

Lead and deepen bank relationships by promoting other corporate/retail banking products.

Sustain and enforce high compliance standards.

Educational Qualifications:

Graduation: Civil Engineering or Any.

MBA/CA/ICWA/CFA required.

MBA/CA from a premiere institute is preferred.

Key Capabilities:

Up to 18 years of experience with a Premier Bank or NBFC (for specific roles).

4-6 years of relevant experience (for other roles).

Strong understanding of Real Estate project financing and bridge loan financing for under-construction residential projects and commercial warehouses.

Demonstrated experience in originating business and overseeing relationships with real estate developers in Mumbai/New Delhi/Chennai.

Ability to lead project financing transactions and teams.

Ability to work with internal stakeholder teams (credit, risk, legal, accounts).

Good knowledge of corporate banking, trade, and treasury products.

Good credit and analytical capabilities.

Outstanding relationship capabilities and prior experience handling corporate clients.

Target-oriented and willing to take responsibilities.

Outstanding communication and presentation capabilities, with sophistication in personal interaction and grooming.

Self-starter orientation and confident personality.

Experience Required:

Minimum 4-16 years of experience.

Major Stakeholders:

Fincon

Salary Product teams

Branch Banking

CA Product teams

Cards Product

Sales teams

Regional Heads

WB Business teams

RIG

This opening is for the Sales Officer-RA Tractor Finance position in Pune.