Relationship Manager

Relationship Manager (Property-Backed Lending – Advanced Origination Role)

About Us

We are an established private lender specialising in property-backed loans for developers, investors, SMEs, and high-net-worth individuals. Our focus is on speed, certainty, and structured lending solutions that banks typically cannot provide. We are expanding our origination team with Relationship Managers capable of bringing in quality, well-prepared, and bankable opportunities.

Role Overview

As a Relationship Manager, you will play a central role in driving high-quality deal origination. Your primary responsibility is to source, curate, and convert loan opportunities secured against residential, commercial, land, and mixed-use assets. This role requires a strong understanding of property valuation logic, borrower motivation, credit risk, and exit strategies.

You are expected to operate at a higher level than a typical sales role—thinking strategically, screening intelligently, and building deep, recurring referral networks.

Key Responsibilities

1. Deal Origination & Pipeline Development

• Source mid-to-large ticket secured loan opportunities (SGD 1M– 5M+).
• Build continuous deal flow through developers, brokers, property agents, SME owners, accountants, and lawyers, and other enterprise owners.
• Develop verticals (e.g., agent networks, SME channels, distressed asset pipelines, developer financing needs).
• Maintain a predictable weekly and monthly origination pipeline.

2. Pre-Qualification & Deal Engineering

• Screen leads based on lending criteria (LTV limits, asset class, location, borrower profile, valuation expectations).
• Evaluate the borrower's real motivation, timeline urgency, and exit strategy.
• Structure deals to align with credit appetite (tenure, LTV, collateral layering).
• Prepare clean and complete Credit Committee submissions for evaluation.

• Manage timelines for valuations, legal documentation, and borrower readiness.

• Work with stakeholders such as Valuers, Lawyers and Borrower

3. Relationship Management

• Build and nurture long-term partnerships with key introducers and repeat borrowers.
• Become the "first-call lender" for urgent or complex cases.
• Conduct meetings, present loan scenarios, and manage expectations professionally.
• Maintain integrity, confidentiality, and trust in all borrower and partner interactions.

4. Market Intelligence & Networking

• Stay updated on property market trends, developer launches, and bank credit tightening and network with potential borrowers,
• Identify segments underserved by traditional financing and expand into those niches.
• Provide insights to management on product features, pricing competitiveness, and risk trends.

5. Deal Closing & Execution

• Coordinate with credit team, legal, valuation firms, and borrowers for smooth completion.
• Ensure timely submission of documents to avoid delays.
• Follow through until disbursement with professionalism and clarity.
• Maintain clear records of deal progress in the CRM system.

• Post disbursement, active relationship management

• Flag out early signs of loan delinquency

Performance Indicators

You will be measured by:

• Quality, not just quantity, of leads (credit scoring to be applied)
• Conversion rate from submission to approval
• Speed of closing
• Consistency of monthly/quarterly deal flow
• Partner retention and repeat business generation
• Profitability per loan (risk-adjusted returns)
• Clean submissions (first-pass approval rate)
• Default ratio

Required Experience & Attributes

Experience

• Minimum 2–5 years in property lending, mortgage broking, real estate investments, private credit, SME lending, or similar fields.
• Strong network in property agents, brokers, conveyancing law firms, or developer circles.
• Prior experience handling borrowers with time-sensitive or complex financing needs preferred.

Attributes

• Strong deal sense and business acumen.
• Excellent communication and negotiation skills.
• Ability to think like a credit officer when screening deals.
• High integrity, discipline, and reliability.
• Ability to work independently while being aligned with team goals.
• Resilient, resourceful, and relationship-driven.

Ideal Candidate

You are a motivated dealmaker who understands property-backed lending, values relationships, and thrives on solving urgent, complex, or non-standard financing needs. You bring a strong network and operate with the mindset of a partner—not just a salesperson.