Job Summary**
The Relationship Manager - Secured Direct is responsible for building and maintaining strong relationships with clients, providing expert advice on secured lending products, and driving business growth through direct sales efforts.
Job Responsibilities**
- Proactively identify, originate, and cultivate new secured direct lending opportunities with individuals and businesses.
- Manage a portfolio of existing secured direct clients, ensuring high levels of satisfaction and retention.
- Conduct thorough financial needs analysis for clients, recommending appropriate secured lending solutions (e.g., mortgages, asset-backed loans, lines of credit).
- Structure and negotiate loan terms, ensuring they align with company policies and client needs.
- Prepare and present detailed credit proposals and applications for review and approval.
- Collaborate with credit, legal, and operations teams to ensure seamless execution of lending transactions.
- Monitor market trends and competitor activities to identify new business opportunities and threats.
- Achieve individual and team sales targets for secured direct lending products.
- Maintain accurate and up-to-date client records and sales pipelines within the CRM system.
- Adhere to all regulatory compliance standards and internal policies and procedures.
Job Qualifications**
- Bachelor's degree in Business, Finance, Economics, or a related field.
- Minimum of 5 years of experience in relationship management or direct sales within the financial services industry, with a focus on secured lending.
- Proven track record of achieving sales targets and building strong client relationships.
- In-depth knowledge of various secured lending products, credit principles, and market dynamics.
- Excellent communication, negotiation, and presentation skills.
- Strong analytical and problem-solving abilities.
- Ability to work independently and as part of a team in a fast-paced environment.
- Proficiency in CRM software and Microsoft Office Suite.
- Relevant industry certifications (e.g., NMLS) may be required.
