Relationship Manager - Secured Loans & Mortgages

Job Title: Relationship Manager – Secured Loans & Mortgages

Job Summary

This role suits candidates with solid front-line lending experience who can balance sales drive with credit discipline.

1. Business Origination & Client Acquisition

• Source and win new-to-bank retail and SME customers through referrals, agents, digital leads, and networking.
• Conduct needs analysis, pitch loan structures, and negotiate terms aligned with risk appetite and pricing targets.

1. Credit Structuring & Approval

• Gather financials, collateral valuations, and KYC data; craft credit proposals with clear mitigants and repayment strategies.
• Collaborate with Credit Analysts and Legal to secure timely credit-committee approval and documentation.

1. Portfolio & Relationship Management

• Manage a performing loan book (target S$15-30 m), monitoring drawdowns, repayments, covenants, and collateral values.
• Conduct periodic client reviews, identify cross-sell opportunities, and recommend restructures or top-ups when needed.

1. Deal Execution & Documentation Oversight

• Coordinate valuers, lawyers, and operations teams to perfect security interests (first legal charge, caveats, pledges).
• Ensure conditions precedent are satisfied and funds are disbursed within agreed SLAs.

1. Risk & Compliance Stewardship

• Maintain full compliance with the Moneylenders Act, Pawnbrokers Act, MAS AML/CFT guidelines, and internal credit policies.
• Escalate early-warning signs, manage delinquency cases, and support audits.

1. Service Excellence

• Resolve client queries quickly, provide market updates (interest-rate trends, property indices), and uphold >90 % CSAT scores.
• Mentor Assistant Relationship Managers, sharing best practices on documentation and customer care.

• Bachelor’s degree in Banking, Finance, Business, or related field.
• 3–6 years’ proven experience in mortgage lending, secured term loans, or SME relationship management within a bank or finance company.
• Strong grasp of Singapore conveyancing, collateral valuation, and credit-approval workflows.
• Solid financial-analysis skills and familiarity with loan documentation (facility letters, mortgages, debentures).
• Excellent interpersonal and negotiation abilities; able to present credit papers confidently.
• Proficient in Microsoft Office; working knowledge of CRM and basic BI dashboards is a plus.