Relationship Manager in London

ICICI Bank UK PLC offers a range of personal, business, corporate and investment banking services in the UK and Europe.

We currently have an opportunity to join London, Tower Hill Office of ICICI Bank UK PLC as a Relationship Manager-Commercial Real Estate on a Fixed Term Contract.

Job Purpose:

Originating, writing and managing Loan Against Property / Commercial Real Estate (CRE) lending business for ICICI BANK UK Plc. Key responsibilities would include Loan Against Property (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:

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

Key Skills and Knowledge Requirement

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

Functional Skills

• Proficient in MS Word, MS Excel, PowerPoint
• Strong background in commercial real estate or retail asset products
• Credit underwriting skills
• Broker channel management skills

Behavioural Skills

• Strong numerical and analytical skills
• Excellent written and oral communication skills
• Managing multiple projects simultaneously and successfully
• Eye for detail
• Quick Decision Making
• Self-starter

Job Requirements/ Specification

Qualifications: Graduate or Post Graduate

Work Experience: 5+ years as required for the role

Industry : Banking or financial services

Area of work : Commercial Real Estate and lending experience