Relationship Manager/Team Lead - SME - Private Bank

Client:large private bank

Location: Kochi

Please find below Job description for SME :

1. Ability to handle a team of 3-6 people

2. Good at communication and handling client relationship. Should be able to be recognized by the company for the first preference for any opportunity with respect to lending. Similarly should be able to follow up and recover overdues from clients under stress and should be aware of restructuring norms for restricting to be done if any.

3. Good understanding of financial statements like P and L account, balance sheet, cash flow statement and others. Should be able to prepare, interpret and draw conclusions from the financial statements and bank statements.

4. Knowledge of various industries like trade, engineering, pharma, gems and jewelers and Infra.

5. Understanding of various financial products and assessment of CC, OD, Term loan, packing credits, buyers credit, LC, BG and forex products.

6. Good at co-ordination with various departments like risk, legal, operations and branches. Also external environment like peer banks under multiple and consortium lending.

7. Should be able to prepare proposal notes, CMA and take the cases through risk and also present the case to the committees for sanction. Post the sanction should liase and get the disbursement done and hence should possess basic documentation knowledge.

8. Should be aware of RBI circulars and recent guidelines on lending like SMA reporting, EWS triggers, Unhedged FC exposures.

9. Should be a go-getter, guide and motivate the team members for following up and achieving targets of Fee, NII, book growth and ensuring collections and exits of stressed clients.

10. Operational knowledge of system like Finacle.

Age -not more than 40years