The Relationship Manager (RM) - Real Estate & Warehousing will be responsible for originating, managing, and growing client relationships in the real estate and warehousing sector. The role involves acquiring new-to-bank clients, evaluating projects, structuring credit proposals, ensuring documentation & disbursement, and managing the overall portfolio while maintaining compliance and profitability.

Key Responsibilities:

1. Business Development & Client Acquisition:

- Source and acquire new-to-bank clients in the Real Estate & Warehousing segment (developers, investors, operators).

- Identify opportunities across construction finance, lease rental discounting, inventory funding, and warehouse financing.

- Grow the client base by leveraging market intelligence and sector knowledge.

2. Credit & Risk Management:

- Prepare and evaluate detailed credit proposals, conduct financial and project analysis, and assess risks.

- Ensure timely credit reviews, portfolio monitoring, and early identification of stressed assets.

- Manage documentation, disbursement, and compliance with internal and regulatory guidelines.

3. Relationship Management:

- Serve as the primary point of contact for clients, addressing their banking, credit, and transactional needs.

- Build long-term relationships by providing advisory support and customized financial solutions.

- Handle client queries and ensure seamless coordination with internal stakeholders (credit, legal, operations).

4. Market & Sector Expertise:

- Conduct comparative market analysis to identify opportunities in real estate and warehousing.

- Stay abreast of sector trends, government regulations, and economic conditions impacting clients.

- Evaluate term projects, warehousing hubs, and commercial real estate deals for business potential.

5. Internal Collaboration:

- Work closely with product, sourcing, credit, legal, and operations teams to deliver structured solutions.

- Partner with coverage teams to explore cross-sell opportunities (CMS, Escrow, Trade Finance, Treasury, Digital Banking).

- Ensure smooth execution of client onboarding, loan structuring, and post-disbursement services.

Key Deliverables:

- Achieve acquisition, revenue, and portfolio growth targets.

- Maintain credit portfolio quality with minimal delinquencies.

- Ensure timely and accurate credit submissions, documentation, and disbursement.

- Drive customer satisfaction and regulatory compliance.

Essential Skills & Qualifications:

- Experience:in corporate/real estate banking, project finance, or warehousing financing.

- Education: MBA/PGDM (Finance/Marketing) or equivalent professional qualification.

- Sales Acumen: Proven experience in NTB client acquisition and business development.

- Credit Knowledge: Ability to analyze financial statements, prepare credit proposals, and evaluate project viability.

- Relationship Skills: Strong client engagement, negotiation, and problem-solving abilities.

- Market Knowledge: Understanding of real estate, warehousing, regulatory framework, and sector dynamics.

- Compliance Orientation: Familiarity with RBI guidelines, credit policies, and audit requirements.