Loan Channel Specialist – Emerging Business

We are seeking a highly skilled and experienced Loan Channel Specialist to join our Emerging Banking team. The Loan Channel Specialist plays a pivotal role in the end-financing sector, serving as a key driver of strategic initiatives that encompass empanelment processes, in-depth market analysis, business development efforts, and rigorous compliance management. This multifaceted position requires not only a robust understanding of the financial landscape but also a nuanced comprehension of the real estate market, making it essential for the specialist to stay abreast of industry trends, regulatory changes, and emerging opportunities.

Responsibilities:

Policies & Procedures:

• Own and maintain partner policies and procedures, ensuring alignment with industry standards.

Empanelment Management:

• Manage and review the empanelment process for partners.
• Identify, evaluate, and onboard new developers and projects.
• Maintain relationships with existing empaneled partners.
• Conduct due diligence on potential partners.

Market Sizing and Opportunity Analysis:

• Conduct market research to identify trends, opportunities, and risks.
• Analyze regional market dynamics and demand for commercial properties.
• Prepare reports on market potential and competitor analysis.
• Develop and implement strategies for market expansion.
• Collaborate with internal teams to structure competitive financing products.
• Organize and participate in promotional events and networking activities.

Compliance and Risk Management:

• Ensure compliance of partners and projects with bank policies.
• Monitor performance of empaneled projects and implement corrective actions as needed.
• Conduct periodic reviews of partners and assess associated risks.

Periodic Reviews:

• Regularly review partners for compliance and address any non-compliance issues.
• Identify and mitigate over-concentration risk among partners.

Reporting and Documentation:

• Maintain accurate records of empaneled partners and market research findings.
• Oversee the management of documentation and system updates.
• Prepare reports for senior management on key activities and progress.

Frequent Travel:

• Travel to meet developers and real estate stakeholders.
• Conduct site visits for project assessments.
• Represent the bank at industry events to enhance visibility and foster partnerships.

Requirements:

• A degree in finance, business administration, economics, or a related field is preferred.
• Minimum 7 years of working experience relevant to end financing, real estate sales, or other related fields.
• Familiar with real estate financing, market conditions and property appraisal processes to effectively assess and manage the end financing options related to the real estate.
• Excellent communication and people management skills
• Strong project management and problem-solving skills
• Able to work independently without much supervision, resourceful, innovative and is a team player