Relationship Manager (Secured Lending)

About the Role
ValueMax is Singapore's leading mainboard-listed pawnbroking and financial services group, with a fast-growing secured lending business serving retail and SME clients island-wide. We are looking for a driven, ambitious Relationship Manager who thrives in a fast-paced sales environment and is hungry to build and grow a lending portfolio. If you are energetic, self-motivated, and ready to take real ownership of your book — we want to hear from you.

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Key Responsibilities

1. Business Origination & Client Acquisition

• Proactively source and grow a client base through referrals, agents, digital leads, and networking
• Conduct needs analysis, pitch suitable loan structures, and negotiate terms in line with risk appetite and pricing targets

2. Credit Structuring & Approval

• Gather financials, collateral valuations, and KYC documentation; prepare credit proposals with clear repayment strategies and risk mitigants
• Work closely with Credit Analysts and Legal teams to secure timely credit-committee approval and documentation

3. Portfolio & Relationship Management

• Manage and grow an assigned secured loan portfolio, monitoring drawdowns, repayments, covenants, and collateral values
• Conduct periodic client reviews, identify cross-sell opportunities, and recommend restructures or top-ups where appropriate

4. Deal Execution & Documentation

• Coordinate with valuers, lawyers, and operations teams to perfect security interests (including first legal charge, caveats, and pledges)
• Ensure conditions precedent are met and funds are disbursed within agreed SLAs

5. Risk & Compliance

• Maintain full compliance with the Moneylenders Act, Pawnbrokers Act, MAS AML/CFT guidelines, and internal credit policies
• Identify early-warning signs, manage delinquency cases proactively, and support internal and external audits

6. Service Excellence & Team Contribution

• Resolve client queries promptly and provide relevant market updates including interest rate trends and property indices
• Mentor and support junior team members, sharing best practices on documentation and customer relationship management

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What We're Looking For

• Bachelor's degree in Banking, Finance, Business, or a related field
• Minimally 3 years of experience in mortgage lending, hire purchase financing, secured term loans, or SME relationship management within a bank, finance company, or non-bank financial institution
• A proven track record of portfolio growth and client acquisition — we value hunger and results over tenure
• Solid understanding of Singapore conveyancing, collateral valuation, and credit-approval workflows
• Comfortable preparing and presenting credit papers, with good financial analysis skills
• Familiar with loan documentation including facility letters, mortgages, and debentures
• Strong interpersonal and negotiation skills; able to engage clients and internal stakeholders with confidence
• Proficient in Microsoft Office; experience with CRM systems or BI dashboards is an advantage

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Why Join Us

• Competitive base salary with performance incentive — your results are directly rewarded
• Real ownership of your portfolio from day one, with the backing of an established listed group
• Lean, agile team with faster decision-making than a traditional bank environment
• Dedicated credit, legal, and operations support — so you can focus on growing your book
• Clear progression pathway toward Senior Relationship Manager and leadership roles
• Be part of a secured lending business that is actively scaling — join early and grow with it