Relationship Manager - SME - CA

Role Details:

- Size of business - 0 to 500 cr

- Product Portfolio - SME Segment / Universal Banking Products including but not limited to Working Capital, Term Loan, Structured finance, Trade products, FX, Investment Banking, FDs, SCF, CMS, Corporate salary a/cs & cards.

- No. of employees/reportees: - Nil

Overall Job Description:

The candidate will be required to acquire NTBs in SME segment & deepen wallet share in existing portfolio of clients. Candidate should have experience is undertaking credit risk appraisal & presenting the proposal to relevant forum/s for sanction. Should be able to achieve budgets set by Bank's management & bring aggressive growth through SANCTION & DISBURSEMENT of NTBs in SME.

Specific Roles and Responsibilities:

- Responsible for new client acquisitions as well as maintaining and enhancing the existing portfolio of SME group

- Ability to structure the facilities as per the client's need and bank's strategy ensuring optimum profitability & sustainability of the business within the regulatory framework.

- Should have knowledge of the local market where he / she knows the leading SME Clients,

- Undertake credit risk appraisal, prepare appraisal notes, term sheets & financial model and engage with credit team to resolve queries and present the case to relevant senior management forums for sanction.

- Engage & co-ordinate with various internal teams for relevant approvals, documentation, limit setup, disbursement, post-disbursement compliances and monitoring. Ensure end-to-end transaction execution from origination to completion.

- Engage and maintain senior management relationships of SME clients to deepen wallet share, negotiate pricing & cross-sell other banking products like CMS, salary a/cs, corporate cards and insurance.

- Responsible for monitoring and maintaining credit health of the portfolio & take appropriate steps to proactively mitigate any sign of stress in the portfolio.

Education and Work Experience Requirements:

EDUCATION WORK EXPERIENCE

Essential requirement: Graduate or Post

Graduate

Preferred: C A / MBA Finance Essential requirement: Minimum 5 years and above

Preferred: 3 to 6 years work experience in the Banking

Specific requirements:

- Needs to have handled a similar role in a peer Bank

- Multi-tasking with crisis management capabilities

- Must be able to work under pressure and meet deadlines

- Balanced Sales and credit orientation. Should have customer focus

Desired Behavioral / Functional Traits

A] Behavioral Traits (Examples)

- Customer focused

- Solution oriented

- Self Driven

B] Functional Traits:(Examples)

- Excellent communication skills / Interpersonal skills

- Financial analytical skills and knowledge of banking products