Lead - LRD

Job Description

Key Responsibilities

1. Business Development & Sourcing

• Source LRD business through direct sourcing, DSAs, brokers, developers, and corporate relationships.
• Identify high-potential commercial/retail properties generating rental income for LRD propositions.
• Drive monthly sales targets with consistent new client acquisition.

2. Client Relationship Management

• Build and maintain strong relationships with property owners, SMEs, corporates, and real estate stakeholders.
• Understand client requirements, assess eligibility, and propose suitable LRD solutions.
• Manage negotiations on pricing, tenure, and structure with clients.

3. Credit & Property Assessment

• Coordinate with credit teams for financial analysis, cash flow assessment, and rental income validation.
• Conduct preliminary assessments of property title, tenancy agreements, lease lock-in periods, and cash-flow stability.
• Ensure property valuation, legal checks, and technical evaluations are completed accurately.

4. Deal Structuring & Execution

• Prepare deal proposals and submit complete files for credit approval.
• Ensure high-quality processing of applications within the defined TAT.
• Liaise with legal, technical, operations, and credit teams to ensure smooth disbursement.

5. Market Intelligence & Portfolio Quality

• Track market trends in commercial leasing, rentals, and property yields.
• Continuously monitor the LRD portfolio to ensure healthy asset quality.
• Identify risks and flag potential issues in client profiles, rental dependencies, or property documentation.

Required Qualifications & Experience

• Graduate / Postgraduate in Finance, Business, or related fields.
• 5-10 years of experience in LRD, LAP (Lease Against Property), Commercial Mortgage, or Secured Lending.
• Proven track record of achieving sales targets in secured lending.
• Strong understanding of commercial real estate, rental agreements, and lease structures.

Key Skills

• Strong sales and business development ability
• Knowledge of LRD underwriting basics
• Understanding of commercial real estate and rental markets
• Excellent negotiation & communication skills
• Relationship-building with high-value clients & partners
• Documentation & process management