Relationship Manager

Roles and Responsibilities Job Purpose
The role holder is responsible for acquiring and providing support to the clients in the high octane middle market segment (i.e. Rs. 100-1500 crore turnover), offering them entire suite of bank products

1)Revenue Generation

Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups

2) Relationship Management -Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services
• Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal
• Assess banking needs and risks for clients and manage client relationships accordingly to optimize riskreward for the Bank
3)
Communication/PR of Bank's products
• Undertakes brand communication initiatives for designated products
• Communicates product positioning messaging that differentiates Bank's products in the market
4)
Market Research
• Illustrates understanding of consumers, competition and current market conditions through primary and secondary research
5) Credit Appraisal - Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions
6) Documentation and Compliance - To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group