Zonal Head - Corporate & Institutional Banking - North

Zonal Head - C&IB - North

Reporting to : Head - Corporate, Institutional & Transaction Banking

The Zonal Head - C&IB oversees the entire portfolio of C&IB customers originating from the overall business units from a Credit Risk perspective.

Key Responsibilities :

- Supervise (including remotely) the team of senior corporate bankers and the analysts below them

- Develop industry-specific knowledge for clients in the portfolio

- Lead by example focus on Early Warning systems, Internal and RBI Audits and other controls

- Maintaining quality of loan proposal documents

- Create awareness on Operational Risk within the Stakeholders

- Develop a sophisticated understanding of various pertinent regulations

- Monitor portfolio of borrowers and closely track concern accounts

- Practice and preach the values of the bank and integrity and zero tolerance for compliance or regulatory slippages.

- Achieve Bank's objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed - budgets/targets from client relationships across all product groups

- Acquire new client relationships and grow & maintain high quality, profitable and broad-based relationships with existing client base.

- Handle activities ranging from identifying clients' financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal

- Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions, E&S risk.

- To maintain high-quality standards of documentation, client communication, process compliance, on-going basis with product partners /Online Security and Fraud division /Risk Management and other Relationship Management groups

- Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank

Qualifications :

- Graduate and Post Graduate /Formal banking training

- Experience of 15-20 years, preferably in Banking & Financial Services, interacting with major corporate clients, promoters, CXOs, HNI's and large institutions.

Skills :

- Technical & Functional

- Sound knowledge of finance, basic working knowledge of markets

- Good relationship stakeholder management skills

- Good Communication & Presentation skills

- Interpersonal, Influencing and people management skills.

- Should have a good knowledge of Corporate balance sheets, Banking products, technology

- Network of stakeholders inside and outside the bank.

Behavioural :

- Ability to engage with internal and external stakeholders, gain their confidence and persuade them to cooperate with initiatives where required.

- Strong communication skills and capacity to manage expectations.

- Leadership skills, capacity to lead by example

- Ability to drive process improvement to continually improve service and reduce costs.

- Empathy