Relationship Manager

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 facilityUse effective marketing and sales promotional tools for raising the Bank’s profile in the target segmentActive 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 requirementsUnderstand & 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 GroupLiaise with borrower, Solicitor, CMOG, COPS (disbursement) teams to ensure smooth disbursement of loan proposalCoordinating with borrowers for timely submission of post disbursement covenant reportsSuccessfully 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 RequirementAbility 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 brokersTo 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 & documentationWorking 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 experienceAbility to contribute towards product development, refining lending policies to suit market requirementsStrong negotiation and presentation skills; ability to communicate with all levels in the organisationSelf-motivated and self-drivenFunctional SkillsProficient in MS Word, MS Excel, PowerPointStrong background in commercial real estate or retail asset productsCredit underwriting skillsBroker channel management skillsBehavioural SkillsStrong numerical and analytical skillsExcellent written and oral communication skillsManaging multiple projects simultaneously and successfullyEye for detailQuick Decision MakingSelf-starterJob Requirements/ SpecificationQualifications: Graduate or Post GraduateWork Experience: 5+ years as required for the roleIndustry : Banking or financial services Area of work : Commercial Real Estate and lending experience