Relationship Manager - Mid-Markets - NBFC

About the client:

Our client is large sized NBFC engaged in providing bespoke finance solutions for Large Corporates & Emerging Corporates (Corporates with more than Rs 750 crs turnover) along with Debt Capital Market Solutions. It caters to an array of products like Corporate Loans, Working Capital Demand Loans, Structured Finance, Project Finance solutions for its clients along with a wide range of Protecting, Investing, Financing & Advising (PIFA) products.

Designation: Relationship Manager (Mid-Markets)

Location: Bangalore & Hyderabad

Education: MBA Tier 1/2 or CA

Experience: 2-5 years

Preferred Industry: Banking/NBFC/Rating Agency

Purpose of the Job:

To assist Business Head / Senior Relationship Manager in implementing devised Business strategy and tap local network to achieve the budgeted business volumes / Net Interest Income / Fees / Asset Book etc. To initiate cross selling initiatives for generating additional revenues. Grow, Nurture, and Manage Relationships across Emerging & Mid-Corporate Houses in the Country (CFO, Senior Management, and Promoter levels)

The Customer base must be widened significantly in the segment. The RM must Grow, Nurture, and Manage a much wider network of relationships across Emerging & Mid Corporate Houses in the Zone / Country (Promoter, CFO and Senior Management level).

To set high standards of Deal Structuring, Due Diligence & Loan Documentation:

- To have sectoral and product knowledge which enables effective deal structuring & term sheet discussions with the customer.

- To conduct detailed due diligence, analysis, evaluation of the deal thereby resulting in high quality appraisal

- To work closely with Legal team to ensure that the loan documentation is closed with the customers to the satisfaction

To maintain constant interactions with the clients, ensure effective Customer Service standards and superior client satisfaction:

- To ensure satisfaction for the Portfolio clients & ensure effective servicing for their various requirements from loan processing to information requirements to post disbursement requirements like balance confirmations, NOCs etc

- To resolve issues related to client servicing and co-ordinate with the Risk / OPS/ Finance/ Credit / Legal teams

- To be aware of risk management and regulatory norms and credit policy/process adherence, conduct portfolio review

To be aware of all critical policies, processes & documentation for all the products & ensure compliance:

- To undertake documentation and KYC formalities for the customers in a seamless manner while managing good TATs

- To keep up breast of the latest developments in the local market & report for any indication of customer defaults, sectoral changes etc

To formulate periodic MIS for the routine activities:

- To send periodic reports to Business Heads / Head - Emerging and Growth Markets for potential business opportunities etc.

- To report MIS and tracking of targets & personal meetings with clients with status of deals in pipeline

Required Key skills:

- Understanding of financial statements such as Balance sheet, P&L A/c & Cash flow statements

- Strong quantitative & financial modeling skills, sensitivity analysis and DSCR calculations

- Knowledge of computation of key financial ratios

- Knowledge of Basic Banking products

- Communication and presentation skills

- Good knowledge of Word, Excel and PPT

- Local candidate with a mix of 60-70% RM role having good client base/BD experience and remaining 40-30% credit analyst role.