Key responsibilities
Business Development and Origination
Originate new business opportunities that are aligned with the Bank's asset growth strategy, credit appetite, and compliance requirements.
Develop and maintain strong relationships with clients, introducers, and professional advisers.
Identify opportunities to cross-sell the Bank's products and services and maximise overall client profitability.
Develop a thorough understanding of clients' businesses, including domestic and cross-border operations and banking requirements.
Conduct marketing and business development meetings with clients and their advisers.
Develop marketing materials, proposals, and other supporting business documentation.
Negotiate and structure transactions within the Bank's risk appetite and credit policies.
Prepare and present credit submissions for proposal.
Coordinate the documentation and establishment of credit facilities.
Syndicate exposures where appropriate to support portfolio and risk management objectives.
Portfolio and Credit Risk Management
Manage a portfolio of existing client relationships and provide oversight and guidance to junior staff managing allocated accounts.
Assume responsibility for the day-to-day management and credit risk oversight of both existing and prospective accounts.
Maintain a high-quality portfolio through proactive monitoring and timely completion of all required reviews.
Ensure all facility reviews are completed before their due dates, with no overdue reviews outstanding.
Proactively manage credit risk to minimise the occurrence of non-performing loans (NPLs) and avoid the need for specific provisions.
Monitor client performance and identify potential risks or emerging issues at an early stage.
Governance, Compliance and Risk Management
Ensure all facility conditions, covenants, and Bank requirements are met.
Maintain compliance with all applicable regulatory requirements and internal policies, including AML/KYC obligations.
Ensure adherence to the Bank's policies, procedures, and guidelines, as well as relevant requirements of regulatory bodies including AUSTRAC, ASIC, APRA, MAS, and Head Office governance standards.
Achieve a minimum "Pass" rating in all Credit Risk Review (CRR) assessments and regulatory audits.
Leadership and Team Development
Provide leadership, coaching, and mentoring to junior team members to enhance capability and support career development.
Foster a collaborative, high-performing, and customer-focused team environment.
Promote employee engagement and contribute to achieving annual employee engagement objectives.
Performance and Administration
Achieve business performance targets, including financial and transactional KPIs established through the annual Performance Management process.
Ensure the accuracy, completeness, and integrity of all loan and customer data within the portfolio.
Undertake any other duties and responsibilities assigned by the Managing Director, Real Estate.
To be successful in this role, you will possess:
Tertiary qualifications in Accounting, Finance, Business, Economics, or a related discipline.
Advanced financial analysis and credit assessment skills, including strong proficiency in Microsoft Excel and financial modelling.
Demonstrated experience in debt markets, commercial banking, corporate lending, or real estate finance.
A proven track record of at least 10 years' experience in a similar relationship management, credit, or banking role within a financial institution.
Strong knowledge of real estate and construction finance transactions, including associated security and legal documentation.
Well-developed commercial acumen and transaction structuring capabilities.
Excellent written and verbal communication skills, with the ability to manage competing priorities and meet tight deadlines.
Strong stakeholder management and relationship-building skills.
A proactive, self-motivated, and results-oriented approach.
Strong leadership capabilities and the ability to coach, mentor, and develop junior staff.
The ability to work collaboratively and contribute positively within a high-performing team environment.
About us
Oversea-Chinese Banking Corporation Limited ('OCBC Bank') is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. It is now the second largest financial services group in Southeast Asia by assets and one of the world's most highly-rated banks, with Aa1 by Moody's and AA- by both Fitch and S&P. OCBC Bank Australia, operating as a foreign ADI, is supervised by the Australian Prudential Regulation Authority ('APRA'). The branch provides wholesale banking business in Australia offering loans, FX, wholesale structured investment products and syndicated facilities to network, Australia and New Zealand corporate customers.
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Director, Real Estate Finance in Sydney employer: OCBC Bank
OCBC Bank Australia is an exceptional employer that fosters a collaborative and inclusive work culture, where experienced professionals can thrive in their careers. With a strong focus on employee growth and development, the bank offers comprehensive training programs and mentorship opportunities, ensuring that staff are well-equipped to excel in their roles. Located in a vibrant city, employees enjoy a dynamic work environment with access to a range of benefits, including competitive remuneration and a commitment to work-life balance.
