Relationship Manager - Large Corporate - NBFC

Relationship Manager - Large Corporate

- RM is responsible to assist Deputy Zonal Head in delivering Profitability, Fee & Asset Book numbers. He / She would assist the Deputy Zonal Head in delivering Profitability & Asset Book numbers in line with the budgets and simultaneously ensure building up of a quality loan book.

- RM/SRM shall execute the entire loan lifecycle requirements from origination to post disbursement account monitoring to complete collection of loan in a seamless manner. RM should be able to take pre-emptive corrective action towards any indication of irregularity in portfolio.

Transaction Lifecycle Management:

- Every transaction has three phases (a) Deal Creation (b) Post Disbursement monitoring / management (c) Repayment / Loan Closure. In each of these phases of the deal, several critical activities are involved. Responsibility is divided within the entire PSFG team from Head - PSFG to Zonal Heads to DZH to RM/SRM to manage & coordinate all the three phases in a seamless manner.

- Portfolio Creation Portfolio Management Closure / Foreclosure

- Regular meetings with potential customers

- Term Sheet Negotiation

- Internal Approval

- Loan Document Negotiation

- Security Creation

- Disbursement - Periodic Reviews

- Site Visits

- Covenants Monitoring

- Security Perfection

- Collection / Overdue Management

- Consortium Meetings

- Interest Rate Resets

- NOC requests

- amongst others - Prepayment Premium

- Collection / Overdue / NPA management

- Initiating New Transaction

- Rollover of existing facility

- Release of security

Product Coverage ; PSFG will focus to cover the mid cap corporates across the country and be their financier and advisor of choice. The product portfolio includes corporate & project loans, bridge loans, structured finance transactions, working capital cash flow gap financing, receivables and investment monetization's and other advisory services. Broadly, the deals can be segmented in the following Product categories:

- Project Finance ; Providing finance for the purposes of developing a Project, where the borrower is a special purpose vehicle or an operating company, to cater to all requirements of Greenfield Projects, Brownfield Projects, Completed Projects

- Corporate Loan ; Providing finance to companies based on existing Balance Sheet comfort of the Borrower and repayment shall be by normal operating cash flow of the Borrower.

- Structured Finance ; Providing structured lending with security structure towards meeting special Sponsor Financing requirements of Project / Companies

- Bridge Loan ; Providing bridge finance to companies against committed cash flow in near future which will be utilised for repayment of Facility by the Borrower

- Working Capital ; Providing working capital finance to companies based on existing Balance Sheet comfort of the Borrower

- Equipment Finance ; Providing finance for purchase of identifiable item of plant and machinery and other equipments including for modernisation/ expansion / replacement.