Relationship Manager - Commercial Banking - Mid Corporate - Bank

Job Description :

Job Title Relationship Manager - Commercial Banking

Department Commercial Banking (Mid-Market)

Grade : DVP

Location : Pune

Reporting To : Zonal Head

Position Purpose :

- Business development & Portfolio Management- in clients with revenues Rs.50 Cr. - Rs.1500 Cr.

- Sourcing new-to-Bank clients

- Cross sell - ensure delivery of banking solutions in collaboration with other parts of the bank

- Provide guidance to credit analysts

- Constant client engagement so as to be fully aware of goings on in the company to anticipate potential credit issues, if any

- Asset, liability, and fee based.

Position Responsibilities :

Sr. Key Responsibilities :

1. Business Development and acquisition

- Acquiring new corporate clients with regards to the below mentioned products and strengthening existing relationship with regards to exponential increments on revenue towards assets liabilities and fee based income

2. Relationship Management & Need Analysis :

- Ensuring increase in wallet share from customer portfolio in mid corporate for increasing assets / liabilities / fees & income for the Bank.

- Structuring of Fund / Non Fund / Trade / Fx based financial products for working capital & capex requirements to suit customer's need

3. Documentation & Process :

- Performing financial analysis, risk analysis and doing credit appraisal for getting it sanctioned from respective approving authorities.

- Liaise with various divisions like compliance / CAD / legal for on boarding the client and then servicing them

4. Maintenance of Portfolio Quality and performance :

- Maintaining portfolio quality by monitoring the performance of the account / pending compliances and identifying stress and delinquency situations

- Providing cross referrals to other business groups and ensure relationship deepening through other products

Qualifications and Experience Requirement :

Qualifications :

Essential : CA's or MBA's from reputed institutes

Experience :

- Essential 6-8 years- experience in Pune market in Commercial Banking (SME & Mid-Corporates) space

a. Skills:

Skill Attribute :

- Business Development

- Relationship Management

- Credit risk understanding

- Credit structuring

- Banking products understanding

- Problem solving

- Conflict management

- Ability to get things done

- Team player

- Communication

- Excellent business development skills. Good connect at local market

- Good in relationship Management skills

- Deep Knowledge on Credit Risk Understanding in order to ensure proper due diligence

- Sound Understanding of commercial market products as well other products of bank to ensure right need analysis

- Ability to effectively solve Problem and provide effective solutions well within desired TAT

- Excellent conflict Management skills

- Unwavering focus on achieving results

- Working collaboratively to achieve the common goals and be successful together

- The ability to convey information to others effectively and efficiently

Key Success Differentiators :

- Client relationship management

- Credit understanding and structuring

- Problem solving attitude

- Team player and ability to get things done from others