Relationship Manager

Role Details:

 Size of business – 200 to 500 cr

 Product Portfolio – SME Segment / Universal Banking Products including but not limited to Working Capital, Term Loan, Structured finance, Trade products, FX, Investment Banking, FDs, SCF, CMS, Corporate salary a/cs & cards.

Overall Job Description:

The candidate will be required to acquire NTBs in SME segment & deepen wallet share in existing portfolio of clients. Candidate should have experience is undertaking credit risk appraisal presenting the proposal to relevant forum/s for sanction. Should be able to achieve budgets set by Bank’s management & bring aggressive growth through SANCTION & DISBURSEMENT of NTBs in SME.

Roles and Responsibilities:

 Responsible for new client acquisitions as well as maintaining and enhancing the existing portfolio of SME group

 Ability to structure the facilities as per the client’s need and bank’s strategy ensuring optimum profitability & sustainability of the business within the regulatory framework.

 Should have knowledge of the local market where he / she knows the leading SME Clients,

 Undertake credit risk appraisal, prepare appraisal notes, term sheets & financial model and engage with credit team to resolve queries and present the case to relevant senior management forums for sanction.

 Engage & co-ordinate with various internal teams for relevant approvals, documentation, limit setup, disbursement, post-disbursement compliances and monitoring. Ensure end-to-end transaction execution from origination to completion.

 Engage and maintain senior management relationships of SME clients to deepen wallet share, negotiate pricing & cross-sell other banking products like CMS, salary a/cs, corporate cards and insurance.

 Responsible for monitoring and maintaining credit health of the portfolio & take appropriate steps to proactively mitigate any sign of stress in the portfolio. Essential requirement

Qualification: Graduate or Post Graduate

Preferred: CA / MBA Finance

WORK EXPERIENCE

Minimum 5 years and above

Preferred: 3 to 6 years work experience in the Banking

Location: Kolkata / Chennai/ Ahmedabad/ Rajkot/ Mumbai/ Delhi/ Nagpur/ Goa