Job Summary**

As a Relationship Manager - Secured Direct, you will be responsible for managing and growing a portfolio of secured direct loan customers, building strong relationships, and identifying new business opportunities to achieve sales targets.

Job Responsibilities**

Develop and maintain strong, long-lasting relationships with a portfolio of secured direct loan clients, understanding their financial needs and providing tailored solutions.
Proactively identify and pursue new business development opportunities within the secured direct lending space to expand the client base and increase market share.
Conduct thorough financial analysis and due diligence for loan applications, ensuring adherence to credit policies and risk parameters.
Prepare and present compelling loan proposals to clients, clearly outlining terms, conditions, and benefits.
Negotiate loan terms, interest rates, and collateral requirements to secure profitable and mutually beneficial agreements.
Monitor client portfolio performance, identifying potential risks and proactively addressing any issues to maintain asset quality.
Collaborate effectively with internal departments, including credit, legal, and operations, to ensure seamless client service and efficient loan processing.
Stay informed about market trends, competitor activities, and regulatory changes within the secured lending industry.
Achieve individual and team sales targets and key performance indicators (KPIs).
Ensure compliance with all relevant banking regulations and internal policies.

Job Qualifications**

Bachelor's degree in Finance, Business Administration, Economics, or a related field.
Minimum of 3-5 years of experience in relationship management within the banking or financial services sector, with a strong focus on secured lending.
Proven track record of successfully managing and growing a client portfolio and achieving sales targets.
In-depth knowledge of secured lending products, credit principles, and risk assessment.
Excellent interpersonal, communication, and negotiation skills, with the ability to build rapport and trust with clients.
Strong analytical and problem-solving abilities.
Self-motivated, results-oriented, and able to work independently as well as part of a team.
Proficiency in CRM software and Microsoft Office Suite.
Relevant industry certifications (e.g., CIB, CFA) are a plus.