Relationship Manager - Corporate Banking

1. Customer Acquisition & Relationship management(Large Corporates/Mid Market). RM will maintain database of target customers, identify potential clients and assist Zonal Head in sourcing new business opportunities from these potential customers. He / She shall also maintain constant interactions with existing clients and ensure superior client satisfaction.

2. Credit Appraisal Memorandum, Deal Structuring, Financial Modelling, Compliance. responsible for preparing high quality appraisal notes and financial model. He should be able to address the queries of the RISK analysts and present deal contours to the Credit Committee satisfactorily. He / She should have sound understanding of the Deal Structure and should be able to analyse audited/unaudited financials of the Borrowers. 

3. RM should possess strong quantitative & financial modelling skills for thorough due diligence of the project base case financials, sensitivity analysis and DSCR calculations. Compliance with all terms of sanction, timely servicing of debt obligations and periodic monitoring of the financial health of the borrower are an important aspect of maintaining healthy portfolio. Key focus of RM will be to ensure complete compliance with internal / external regulations for the portfolio handled by him / her.

3. Ongoing interaction with other Banks & Financial Institutions, Sector Experts, Technical Engineers, Credit Rating Agencies, Key Customers & Suppliers etc.

4. Transaction Due Diligence. Incumbent shall utilize his / her exceptional financial & credit understanding skills in conducting thorough transaction due diligence and thereby identify, highlight & mitigate transaction risks.

5. MIS & Other Strategic Activities. Work on various initiatives like MIS, Presentations etc. on Business Plans, Infrastructure Development Fund etc.

Skills Required :

- Client Relationship Management

- Due Diligence, Deal Structuring, Financial Modelling

- Credit Appraisal Memorandum, Risk Review & Presentation to Credit Committee

- Post-Disbursement Monitoring, Compliance, Customer follow-ups

- Sector Specialization, Analyse sectoral news & developments

- Cross Functional Expertise