Job Title: Senior Relationship Manager – Construction Finance

Department: Corporate / Real Estate Finance
Location: [Insert Location]
Reporting To: Head – Construction Finance / Corporate Banking

---

Job Summary

The Senior Relationship Manager (SR RM) – Construction Finance is responsible for acquiring, managing, and growing relationships with real estate developers, construction companies, and infrastructure clients. The role involves assessing project viability, structuring construction loans, managing portfolio quality, ensuring compliance, and driving revenue through new business and cross-selling.

---

Key Responsibilities

1. Business Development & Client Acquisition

• Identify, target, and onboard reputable real estate developers and construction firms.

• Generate new business for construction finance, lease rental discounting (LRD), project loans, and working capital products.

• Build a strong pipeline through market intelligence, networking, and channel partners.

2. Relationship Management

• Act as the primary point of contact for key clients, ensuring timely support and high service quality.

• Deepen wallet share by cross-selling treasury, CASA, insurance, and other banking products.

• Maintain long-term, trust-based relationships with promoters and senior management.

3. Credit Assessment & Structuring

• Evaluate project feasibility, market demand, cash flows, construction timelines, and promoter financials.

• Structure complex construction finance proposals including tranche disbursements, escrow mechanisms, and security packages.

• Prepare and present detailed credit proposals for internal committees.

• Collaborate with credit, risk, and legal teams to ensure robust structuring.

4. Portfolio & Risk Management

• Monitor portfolio quality, project progress, receivables status, and covenant compliance.

• Conduct periodic site visits and ensure timely identification of early warning signals (EWS).

• Manage delinquencies, resolve stressed accounts, and maintain NPA-free portfolio.

• Ensure adherence to regulatory and internal lending guidelines.

5. Documentation & Disbursement

• Coordinate with legal, technical, and valuation agencies to complete due diligence.

• Ensure timely documentation, execution of loan agreements, creation of security, and perfection of charges.

• Drive timely disbursements linked to construction milestones.

6. Internal Coordination & Reporting

• Work closely with credit, operations, legal, and technical teams for end-to-end processing.

• Prepare MIS, weekly pipeline reports, and portfolio dashboards for management review.

• Support audits and ensure compliance with RBI and internal policies.

---

Key Skills & Competencies

• Strong understanding of real estate markets, construction cycles, and project cash-flow dynamics.

• Expertise in credit appraisal and financial analysis.

• Excellent negotiation, communication, and relationship-building skills.

• Strong risk management and problem-solving ability.

• Ability to handle large-ticket proposals and high-value clients.

---

Qualifications & Experience

• Education: MBA (Finance), CA, or equivalent.

• Experience: 5–12+ years in construction finance, real estate lending, corporate banking, or project finance.

• Proven track record of managing real estate developer relationships and achieving business targets.

---

Performance Metrics (KPIs)

• Portfolio growth and revenue

• Quality of credit proposals & turnaround time

• NPA levels and early warning signal management

• Client satisfaction and retention

• Cross-selling achievements

• Compliance with internal and regulatory norms

---