Relationship Manager - SME & Mid Market - Commercial Banking

Relationship Manager - Commercial Banking | SME & Mid Market | Mumbai

Job Title : Relationship Manager - Commercial Banking

Department : Commercial Banking (SME & Mid-Market)

Location : Mumbai - CO

Reporting To Zonal Head

Position Purpose:

- Business development & Portfolio Management in clients with revenues Rs.50 Cr. - Rs.1500 Cr.

- Deepen client engagement

- Cross sell - ensure delivery of banking solutions in collaboration with other parts of the bank

- Provide guidance to credit analysts

- Constant client engagement so as to be fully aware of goings on in the company to anticipate potential credit issues, if any

- Asset, liability, and fee based.

Position Responsibilities:

Sr. Key Responsibilities:

1 Business Development and acquisition

- Acquiring new corporate clients with regards to the below mentioned products and strengthening existing relationship with regards to exponential increments on revenue towards assets liabilities and fee based income

2 Relationship Management & Need Analysis:

- Ensuring increase in wallet share from customer portfolio in mid corporate for increasing assets / liabilities / fees & income for the Bank.

- Structuring of Fund / Non Fund / Trade / Fx based financial products for working capital & capex requirements to suit customer's need

3 Documentation & Process:

- Performing financial analysis, risk analysis and doing credit appraisal for getting it sanctioned from respective approving authorities.

- Liaise with various divisions like compliance / CAD / legal for on boarding the client and then servicing them

4 Maintenance of Portfolio Quality and performance:

- Maintaining portfolio quality by monitoring the performance of the account / pending compliances and identifying stress and delinquency situations

- Providing cross referrals to other business groups and ensure relationship deepening through other products

Qualifications and Experience Requirement :

Qualifications :

Essential CA's or MBA's from reputed institutes

Experience :

Essential : 5-8 years experience

a.Skills

Skill Attribute :

- Business Development

- Relationship Management

- Credit risk understanding

- Credit structuring

- Banking products understanding

- Problem solving

- Conflict management

- Ability to get things done

- Team player

- Communication

- Excellent business development skills. Good connect at local market

- Good in relationship Management skills

- Deep Knowledge on Credit Risk Understanding in order to ensure proper due diligence

- Sound Understanding of commercial market products as well other products of bank to ensure right need analysis

- Ability to effectively solve Problem and provide effective solutions well within desired TAT

- Excellent conflict Management skills

- Unwavering focus on achieving results

- Working collaboratively to achieve the common goals and be successful together

- The ability to convey information to others effectively and efficiently

Key Success Differentiators :

- Client relationship management

- Credit understanding and structuring

- Problem solving attitude

- Team player and ability to get things done from others