Relationship Manager (Business Loans Group)

Relationship Manager (Business Loans Group)

Reports to: Regional Head Sales- Business Loans Group

Job Role and Responsibilities:
• Ensure stability of income from existing set of clients and explore avenues for new income generation from existing as well as new clients
• Add value to the client and stay ahead of the competition by structuring and implementing innovative deals in working capital, term loan and project finance
• Use credit knowledge and knowledge of various products for deal structuring
• Add value to the client and stay ahead of the competition by structuring and implementing innovative deals
• Maintain relationships with business banking to originate business
• Manage relationship with the customers by increasing the book size
• Manage trade finance, general blog operation for cash management services i.e., working capital cycle of the company

Deliverables:
• Acquire and maintain business loans clients for the bank
• Perform various financing activities as per the customers requirement
• Maintain number of current account (CA) balance
• Increase wallet share by cross selling products to the customer
• Achieve individual targets and grow account profitability, while maintaining a high service standard and compliance

Product/Customer Handled:
• Working capital, Term loan, Project finance
• Retail business loans clients up to 20 cr portfolio size

Skills and Competencies:
• Ability to negotiate deals, along with the ability to interact with people at various levels of the organization and outside environment
• Strong sales and relationship management skills
• Ability to identifying key issues in complex problems/ assignments and analyze those to make effective decisions
• Ability to have a firm grasp of the processes and make changes in system to improve performance
• Credit Knowledge: To assess the companys financials (i.e. loss, rating, PAT (profit after tax) etc. of the company