Relationship Manager – Commercial Banking ( Mid Market) | Bank |

Roles and Responsibilities

Job Description

Job Title Relationship Manager - Commercial Banking

Department Commercial Banking

Reporting To Zonal Head

Position Purpose

• Business development & Portfolio Management* in clients with revenues of Rs.50 Cr. Rs.2000

Cr.

• Deepen client engagement

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

• Provide guidance to ARMs

• Constant client engagement to be fully aware of goings on in the company to anticipate business

opportunities/ potential credit issues, if any

* Asset, liability, and fee based.

Position Responsibilities

Sr. Key Responsibilities

1 Business Development and acquisition

• Acquire new corporate clients within the segment using either asset, liability or fee

opportunities

2 Relationship Management & Need Analysis

• Ensuring increase in wallet share from existing customer portfolio in Commercial

Banking 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, Business analysis and liaise with Credit teams for getting

sanctions/ renewals and ongoing monitoring.

• Liaise with various divisions like Compliance / CAD / Legal / WCS / Product Teams like

Transaction Banking / BAAS / Fx teams for on boarding / deepening 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 ICWA 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 problems 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

Desired Candidate Profile

Perks and Benefits