Standard Chartered Bank - Senior Relationship Manager - PSL/Agri Business Banking

Job Title Job Grade Generic Job Role :

Relationship Manager, PSL Agri

Job Purpose :

This role includes acquiring & managing good quality Agri PSL clients

- Source PSL clients in the catchment areas through own network and through Bank channel

- Good & quality BWC NTB clients to onboard where there is a scope of Agri PSL, PSL and Weaker Section classification.

- Evaluating credit/risk profile of companies and structure suitable financial solutions for them

- Monitoring the performance of the account/client (financial performance etc.) on a regular basis

- Assist the credit analyst in financial and credit analysis & giving information by preparation of credit BCA

- Liaise with Risk/Legal/Operations on proposals, documentation, ensure smooth delivery & execution of transactions and monitor & handle exceptions/covenants

Key Responsibilities :

- Responsible for sourcing Agri clientele by targeting all segments of Agri as per PSL guidelines.

- Responsible for Revenue resulting from the sale of working capital products from NTB and ETB clients and achieve the Business Targets month on month.

- To onboard NTB clients where there is an opportunity to classify them as Weaker Section

- Handling a small portion of Liability Accounts wherein the Revenue through FX, Balances, and cross sell to be made

- Digitalize all the NTB/ETB accounts of portfolio so that all clients can be activated to S2B platform

- Meeting client time to time and check customer performance, discuss debtors stretch and the probability of enhancement and other required products.

- Ensure to have OPAC (Operating Account) criteria satisfied, for example, Quarterly Churning in accounts, Tracking HV transactions and informing client time to time if churning not routing through us. In case of multiple banking proportionate churning to be checked.

- Ensure no overdue and all covenants like Stock and Book Debt Statement/Stock Audit/NPA reporting / Exchange of Information in case Multiple Banking complied with

- Daily Annotation of the transaction as per the DOI, Respond on Transaction Monitoring, SAR, RFI, CDD actionable timely closure within TAT. No pendency.

- Review and closure of ASTAR items, covenants, deferrals, Pending Documents with in TAT

- Daily Past due, DPD, Access to be checked daily basis. Action on the excess, Overdue DPD accounts, Renewals of the accounts to be done in time or any extension required then prior to BCA expired approvals to be taken.

- 100% commitment to code of conduct

- Timely completion of mandatory e-learning- s

QUALIFICATIONS, EXPERIENCE & SKILLS :

EXPERIENCE - Proven strong track record in Sales

SKILLS & KNOWLEDGE :

- Possess in depth knowledge in relevant Agri SME functions

- Dedicated and committed team player with ability to work independently

- Strong interpersonal and communication skills