Lead - LRD Business

Job description

****Key Responsibilities**** ****1. Business Development & Sourcing**** - Source LRD business through direct sourcing, DSAs, brokers, developers, and corporate relationships. - Identify high-potential commercial/retail properties generating rental income for LRD propositions. - Drive monthly sales targets with consistent new client acquisition. ****2. Client Relationship Management**** - Build and maintain strong relationships with property owners, SMEs, corporates, and real estate stakeholders. - Understand client requirements, assess eligibility, and propose suitable LRD solutions. - Manage negotiations on pricing, tenure, and structure with clients. ****3. Credit & Property Assessment**** - Coordinate with credit teams for financial analysis, cash flow assessment, and rental income validation. - Conduct preliminary assessments of property title, tenancy agreements, lease lock-in periods, and cash-flow stability. - Ensure property valuation, legal checks, and technical evaluations are completed accurately. ****4. Deal Structuring & Execution**** - Prepare deal proposals and submit complete files for credit approval. - Ensure high-quality processing of applications within the defined TAT. - Liaise with legal, technical, operations, and credit teams to ensure smooth disbursement. ****5. Market Intelligence & Portfolio Quality**** - Track market trends in commercial leasing, rentals, and property yields. - Continuously monitor the LRD portfolio to ensure healthy asset quality. - Identify risks and flag potential issues in client profiles, rental dependencies, or property documentation. ****Required Qualifications & Experience**** - Graduate / Postgraduate in Finance, Business, or related fields. - 5–10 years of experience in LRD, LAP (Lease Against Property), Commercial Mortgage, or Secured Lending. - Proven track record of achieving sales targets in secured lending. - Strong understanding of commercial real estate, rental agreements, and lease structures. ****Key Skills**** - Strong sales and business development ability - Knowledge of LRD underwriting basics - Understanding of commercial real estate and rental markets - Excellent negotiation & communication skills - Relationship-building with high-value clients & partners - Documentation & process management