Job expirat
- Implement the business policy of the bank with reference to the acquisition of / relationship management with the corporate customers belonging to the real estate market segment
- Achieving the target objectives set by the bank's management with reference to corporate customers belonging to the real estate market segment.
- Identify target customers for the real estate team and define the marketing mix to be used in order to acquire these customers
- Decide on the pricing of the services and products offered to the real estate corporate customers together with the Real Estate Finance Director and / or Team Leader (if existing)
- Bring added value to the services and products offered to real estate corporate customers by constantly customizing/ improving the bank's offer.
- On the revenue side, to be aware of the budget to be achieved by the specific team within the real estate finance department (Office & Logistic or Retail or Residential) and contribute to its accomplishment
- Consult and assist clients with regards to different financing possibilities, as well as cross-selling the bank¿¿¿s other products during meetings with clients (such as treasury products, retail loans, cash management, insurance products, etc.)
- Plan and prepare visits and pitches to clients
- Evaluate and apply in practice the discussions borne with the clients (through indicative finance offers, consulting, negotiations, follow-ups, etc.)
- Identify and attract new clients in line with the bank¿¿¿s real estate strategy and lending policy
Financing:
- Assess and analyze the financing requests made by the clients, including checking the financial evolution of the customer, cash-flow projections, collateral structure, real estate project feasibility, sensitivity analysis
- Verify that the loan documentation is in line with the approval granted by the credit committee and negotiate with the customer the loan documentation
- Granting and negotiating special conditions for placements of the customers, in line with the conditions offered by Treasury Department
- Check the account opening documentation and authorize the account opening;
- Control the account opening data introduced in the system;
- Provide together with the Cash Management / Legal Department best suitable account structure for the current business / acquisition of real estate (escrow accounts, special solutions, etc)
- Negotiate with the client and get the necessary approvals in line with Bank s procedures in force for special conditions for current account conditions and other fees and commissions (for payments, documentary business transactions, etc.)
- Negotiate with the treasury department the exchange rate for FX transactions performed by the client
- Putting in practice the client marketing and pitching activities, specific to the group¿¿¿s strategy
- Be aware and keep the Real Estate Finance Director and responsible Team Leader (if existing) informed about the trends in and analysis regarding the current market conditions as a mean to asses competitor s strength in order to offer the best suitable range of products to real estate corporate customers
- Keep Real Estate Finance Director, the responsible Team Leader and other colleagues informed about the deal flow and evolution, for proper monitoring
- University degree (preferably in Economics)
- Specific knowledge in construction / architecture/ real estate development / real estate project management would be a plus
- Banking experience - especially in relationship management, with an accent on structured finance or project financing and real estate market knowledge; OR
- Experience in direct real estate development, project management / project monitoring but combined with a good understanding of the specific market and selling skills (in order to compensate the lack of the above)
- Min 1-2 years of relevant experience in one of the above-mentioned instances;
- Good computer skills (to work in Word, Excel, etc)
- Good knowledge of foreign languages (English is a must) ¿¿¿ ability to communicate verbally and in writing
- Structured thinking, financial and cash flow analysis understanding
- Sales expertise and experience, ability to close the originated deals
- Overview (as well as detailed view) on the real estate market and its development, trends, forecasts on medium and long-term
- Well organized
- Good team-player, with an ability at the same time to work also independently on finalizing transactions
UniCredit Group este una din cele mai mari organizatii financiar-bancare din Europa, fiind numarul 1 pe piata bancara din Europa Centrala si de Est. UniCredit este prezent in 23 de tari, unde 170.000 angajati deservesc peste 40 milioane de clienti prin intermediul a 9,000 de sucursale.
UniCredit Tiriac Bank , membra a Unicredit Group este un important jucator pe piata bancara din Romania, cu active in valoare de 3,6 miliarde EUR, o retea de peste 140 sucursale, unde peste 2.600 de angajati vin in ajutorul a peste 600.000 de clienti.