Sales Role - Loans - Bank

Urgent Opening for one of the leading Indian Bank

Job Description :

Liabilities Generation

- Business Origination from New Client & existing clients and identification of clients fitting into MFI appraisal criteria. On-going interaction with clients to assess requirement in terms of credit and other developmental support.

- Ensure operative CAs with all clients with credit facilities and Cross Sell of other CMS product.

Sustained Revenue Generation

- Broad based portfolio across credit relationship and build non credit clients in line with Banks knowledge based focused sector CRM based approach.

- Manage the complete relationship process including origination, Assessment approval, actual utilization etc.

- Institutionalize and mainstream the client's relationships.

- Engage with the Promoters top management in order to generate top of mind recall.

Risk Management

- Real time risk management through timely credit appraisals/ renewals.

- Mentor the RMs in the appraisal process.

- Timely review of stressed adversely labelled accounts with a clear primary, secondary and tertiary strategy.

- Reduce Exit accounts.

- Zero NPAs.

- Finding out early warning signals on clients for any adverse situation results.

- Effective Cost Management

Superior Human Capital Management

- Ensure fair and consistent HR practices at all levels and assist in developing refining and delivering training for the team as needed

Strengthening Systems Controls and Processes

- Ensure adherence to internal systems controls and processes to ensure efficiency in credit management, operational risk management and compliance.

- Maintain Business and Credit files as stipulated.

- Address audit findings