Job Description: ob Title: Relationship Manager – Construction Finance

Department: Real Estate / Infrastructure Finance
Location: [City/Region]
Reports To: Regional Sales Manager / Zonal Head

Job Purpose:

To originate and manage a portfolio of real estate developer clients, with a primary focus on funding residential and commercial construction projects. The RM will be responsible for sourcing business, structuring deals, credit evaluation, and relationship management.

Key Responsibilities: 1. Business Development & Deal Origination

- Identify and onboard mid to large-sized real estate developers for construction finance products.

- Generate leads through market intelligence, broker/channel partners, and personal network.

- Achieve assigned disbursement targets for construction/project finance.

2. Client & Relationship Management

- Maintain strong relationships with key decision-makers of real estate companies.

- Regularly monitor project progress, ensure proper end-use of funds, and track repayments.

- Act as a single point of contact for client servicing, query resolution, and project updates.

3. Credit Appraisal & Risk Analysis

- Prepare detailed credit proposals with project cash flows, cost estimates, and viability assessments.

- Coordinate with credit and risk teams for appraisal, due diligence,



and sanction processes.

- Assess project approvals, RERA compliance, and legal/technical due diligence reports.

4. Structuring & Documentation

- Structure funding solutions (LRD, LAP, CF) based on developer needs and project life cycle.

- Ensure timely execution of loan documentation, mortgage creation, and disbursement.

5. Portfolio Monitoring & Collections

- Track project milestones and ensure adherence to financial covenants.

- Flag early warning signals and proactively manage delinquencies or stress situations.

- Coordinate with legal/recovery teams for resolution where necessary.

Key Skills Required:

- Strong knowledge of construction/project finance, real estate regulations, and funding structures.

- Deep network in the real estate ecosystem (developers, consultants, brokers).

- Solid financial analysis and credit appraisal capabilities.

- Excellent negotiation, communication, and relationship management skills.

Qualifications & Experience:

- Graduate/Post-Graduate in Finance, MBA, CA preferred.

- 4–10 years of relevant experience in construction finance or real estate lending.

- Proven track record of deal closures and portfolio management in the real estate sector.

📌 Kotak Mahindra Investment LTD / Real Estate RM - Delhi
🏢 Acura Solution
📍 Delhi