Job Purpose:
To acquire and build a well diversified portfolio within the SME segment (turnover 0 to 250 Cr). The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to healthy income with an acceptable risk to the bank.
Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.
Key Accountabilities:
- Source New to Bank SME relationship and manage the existing relationships.
- To achieve the individual Budgeted revenues through all product parameters and complete the review / renewals on-time.
- Write credit appraisal memos, lead the discussions with credit and coordinate with Trade and operations team to onboard the client.
- Build a diversified portfolio offering revenues from asset, trade, cash, treasury, fee, liabilities, etc.
- Asset opportunities to be sourced aligned to the bank's lending norms.
- Maintain high level of quality and consistency while proposing various facilities for the customer.
- Maintain nil delinquency in the accounts sourced.
- Cross sell of trade, cash management and foreign exchange related facilities.
- Build a diversified portfolio and reduce concentration risk in the portfolio.
- Regular feedback to the credit and portfolio team about various developments in the client's business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified.
- Help the branch in building liabilities book through these new to bank relationships.
- Implement & execute SME business strategy to increase market share & to achieve targets consistent with SME revenue, ROE & Cost / Income ratio targets.
- Regular Tracking of progress on the agreed key metrics towards delivering on the strategy.
- Track developments in the respective markets and provide feedback to the reporting Manager and the central team.
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