Relationship Manager - SME - Working Capital

Relationship Manager (SME- Working Capital)

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.

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.