Commercial Banking Relationship Manager - SEG

About Commercial Banking Group:The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc.About the Role:The Relationship Manager is responsible for the achievement of the budgeted targets by sourcing NTB business through channels/self - sourcing and customer relationship management. The Job holder also coordinates post sanction formalities such as, disbursement, cross - sell, compliance of statutory and internal audit issues and provides industry/segment specific feedback to Geography and Central Office team.

Key Responsibilities:Generate leads by identifying potential industrial areas/trading units and prepare strategies to increase the Banks penetration in those areas

Manage the internal Branches/ other business verticals and external empaneled outsourced agencies lead generating channels to generate the expected business

Enable the sanctioning process by ensuring conduct and scrutiny of pre - disbursement activities

Liaison with Corporate Banking Operations team and Centralized Processing Unit to enable smooth completion of post sanction formalities, account opening and disbursement

Meet customer service requirements through regular interactions with the customers to understand business condition, enhancement opportunity, etc.Monitor transactions in the customer accounts to ensure that the cash flow movement and end use of fund are in compliance with the sanction stipulations

Assist the Credit Manager in unit inspections and ensure timely insurance renewal, DP updated, stock renewal statement scrutiny and gathering of relevant market information

Ensure maintenance of quality and health of portfolio and minimize Days Past Due through regular interactions with the customer

Initiate recovery of stressed accounts through tele - calling/ field visits

Ensure compliance to the stipulated guidelines/ norms and ensure closure to the audit processes

Qualifications:Optimal qualification for success on the job is:Graduation / Post - Graduation from a recognized institute

Fulltime work experience of 5 years after successfully completing the formal academic qualifications

Role Proficiencies:For successful execution of the job, the candidate should possess the following:Knowledge of banking products and services

Ability to manage complex client situations

Good communication both verbal and written skill in both English and the local language

Ability to handle pressure and meet deadlines

Good networking and relationship building skills