Assistant Relationship Manager - Large Corporates - Bank

Job Description - Assistant Relationship Manager (Corporate Banking)

Location: Chennai, TN

Department: Corporate Banking - Large Corporate Groups

Reports to: Relationship Manager / Senior RM

Role Overview :

The Assistant Relationship Manager (ARM) will support the Corporate Banking team in managing and expanding relationships with large corporate clients (turnover > - 7.50 Bn). The role involves credit appraisal, financial analysis, coordination with internal stakeholders, and contributing to business growth across various banking products.

Key Responsibilities :

Client Relationship Management

- Manage and strengthen relationships with existing large corporate clients based out of Chennai.

- Identify cross-sell and up-sell opportunities across Supply Chain Finance, Treasury, Salary Accounts, Deposits, Private Banking, and Investment Advisory.

- Collaborate with product and business teams to increase the overall wallet share.

Credit Appraisal & Financial Analysis

- Prepare comprehensive credit appraisals and proposals for sanctioning Working Capital and Term Loans for large corporates.

- Analyse business models, company financials, industry trends, and risk factors for a diverse client portfolio (~- 9.10 Bn in asset exposure).

- Conduct financial projections, cash flow analysis, viability assessments, and industry benchmarking.

- Ensure adherence to regulatory requirements, internal credit policies, and provisioning guidelines.

Internal Coordination

- Coordinate with internal teams including Risk, Credit Monitoring, Operations, Compliance, Legal, and others to ensure smooth and timely disbursement of largevalue corporate credit facilities.

- Follow up for documentation, approvals, compliance checks, and post-sanction activities.

Governance, Risk & Compliance

- Ensure high standards of credit quality, due diligence, and adherence to banking regulations.

- Monitor credit performance and raise early warning signals where required.

Required Skills & Competencies

- Strong understanding of corporate finance, credit appraisal, and financial statement analysis.

- Ability to interpret financial models, cash flows, and industry data.

- Excellent communication and stakeholder-management skills.

- Strong analytical, problem-solving, and decision-making abilities.

- Proficiency in MS Office (Excel, PowerPoint, Word).

- Ability to work in a fast-paced environment and manage multiple priorities.

Educational & Experience Requirements