JM

João Medinas

Business Banking Relationship Manager · SME & Real Estate Finance

Portugal, Lisbon

@joao_medinas

0 followers

About

Relationship management and banking professional with 18 years at Banco Montepio covering mortgage, private-client and business banking for SMEs, property developers and construction companies. Also has recent hands-on experience in residential construction and project delivery, strengthening commercial understanding of budgets, procurement, contractors and project risk.

Experience

  • Project / Construction Manager
    RENEST · Lisbon & Cascais, Portugal
    Jul 2026 – Present

    Manages high-end residential refurbishment projects for international clients, coordinating site teams, programme, procurement and day-to-day matters with clients, architects, engineers and specialist trades.

  • Production Director / Project & Construction Manager
    CASA CLASSE MAIS · Portugal
    Aug 2020 – Jul 2026

    Managed approximately EUR 7.5M of residential construction across around seven private-house projects, handling budgets, cost-to-complete, tenders, supplier negotiations, changes, payment milestones and client decisions while leading site teams and coordinating subcontractors and suppliers.

  • Relationship Manager / Account Manager
    BANCO MONTEPIO · Portugal
    2003 – 2020

    Managed relationships across private clients, SMEs, property developers, construction companies and mortgage customers; originated new business; handled financing cases through approval and drawdown; assessed mortgage, property-backed and construction-related finance; monitored real-estate and construction exposures; and coordinated with Credit, Risk, Legal, Operations, Compliance, valuers and technical consultants.

  • Customer Service, Training, Supervision & Quality Support
    VODAFONE PORTUGAL · Lisbon
    1998 – 2003

    Worked in customer-facing and team-support roles involving service quality, staff training and supervision in a high-volume telecommunications environment.

  • Mortgage Credit Operations / Back Office
    BANCO SANTANDER · Lisbon, Portugal

    Prepared mortgage-credit files, checked supporting documentation and followed housing-finance cases through the internal administrative process.

Education

  • Professional Technical Diploma
    Escola Profissional António Sérgio
    Communication, Marketing, Public Relations & Advertising · 1994
  • Higher Education Studies
    Public Relations & Advertising
  • Islamic Finance Qualification
    Chartered Institute for Securities and Investment (CISI)
    2026
  • RVCC - Construction Site Manager / Condutor de Obra
    Recognition of prior learning
    2026

Skills

5 to 8 years 5 to 8 years A long stretch - five to eight years.
<3 months <3 months Just getting started - under three months. This is also what shows when a level has not been set.

Tools / apps / platforms

<3 months <3 months Just getting started - under three months. This is also what shows when a level has not been set.
Microsoft Word Microsoft Excel Microsoft Outlook Microsoft PowerPoint

Languages

Native / Bilingual Native / Bilingual Their first language, or as strong as one.
Portuguese Speak
Fluent Fluent Comfortable using it for work.
English Speak
Conversational Conversational Can hold an everyday conversation.
Spanish Speak

Courses & certifications

  • Generative AI Overview for Project Managers · Project Management Institute (PMI) · 2026

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