Relationship Leader Portfolio

Job Description

Core Responsibilities
• Assess and monitor facilities being sanctioned to clients along with monitoring of business performance and account conduct
• Ensure portfolio/client level exceptions are minimum and in control.
• Analysis of Financial and Bank Statements of the clients
• Assessing requirements for Credit Facilities including Working Capital, Trade Finance, and Term Loans etc. for the Business Banking/SME space.
• Carry out Due Diligence of clients to mitigate various associated risks
• Industry Analysis and Benchmarking against Industry standards
• Prepare and present Credit Proposal to the sanction authorities.
• Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client
• Meeting the Targets - Both in respect of bottom line as well as top line by constantly enhancing the Productivity.

People Management or Self-Management Responsibilities
• Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year.
• Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training.
• Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively.
• Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks.

Risk and Internal Control Responsibilities
• Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by the departmental manager.
• Executes the established internal control systems and compiles relevant information for departmental audits, as necessary