Job Description:

SR. Relationsh

SR. Relationship Manger-Real Estate/ Mumbai Key Aspects:

The Construction Finance division caters to the short term and long term funding needs of the developers against project across the country. The product portfolio includes Construction finance against projects and Structured finance against committed cash flow of developers. The role holder is entirely responsible for Relationship building and structuring of all deals and managing the portfolio.

In construction finance, underwriting focuses not on the balance sheet but significantly on the project and the promoter group. Assessment here involves understanding the previous track record of the builder in terms of quality and timeliness of completion, saleability of projects, track record with other lenders and no. of projects delivered in the past. Project monitoring and end use of funds disbursed are critical here given risks around funds being used elsewhere, sale receivables not coming to the lender as a repayment and so on.



Prudent customer selection is critical and is highly dependent on a relationship manager’s market awareness and client background information.

Mortgage lending encompasses a wide variety of financing solutions for clients, ranging from vanilla Home Loans and Loan against property, to more complex Lease Rental discounting, Commercial Purchase and Construction Finance lending. Financing solutions are provided to Self-Employed [specialists/ non-professionals/ salaried] against a wide array of lending programs, each of which aims to estimate the client’s repayment capability accurately before the company to take an exposure.

Loan approvals entail a valuable mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customer’s business model, customers & suppliers, success factors and dependencies needs to be taken into account given these are long term exposures [ranging upto 15 – 20 years]. The financials are a

📌 Sr Relationship Manger Real Estate/ Mumbai Mumbai Suburban
🏢 Acura Solution
📍 Mumbai Suburban