RM-ECG

Job Description
• Portfolio Management To Achieve over all business targets on volumes and profitability for the specific ECG customers.
• Monthly review to be done with various product groups and supervisors who support the RM portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
• To keep a check on the performance of accounts and overall portfolio.
• Portfolio review and remedial management includes managing exits, line reductions, recovery and restructuring of exposures.
• Management of stress and critical accounts.
• Improvement on yield for the Bank so that the Portfolio has a strong Return on capital RM portfolio level.
• Keep a track on Performance, variance with budgets and plans to meet shortfall for his / her own portfolio.
• Client Calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.
• Increased Product Penetration Wallet share identification and scoping of all accounts existing and potential NTB customers Scope for possible product penetration and provide strategy on the specific accounts.
• Cross sell of all products of the Bank and be the front face of the bank for all products.
• Operations & Processes Ensure that all the management guidance is properly adhered to for effective management guidance implementation.
• KYC / AML tracking of the customers handled by the RM All documentation formalities to be done for effective pre and post disbursement of facilities or banking products.
• Tracking of deferrals and updating all information as per RBI and credit regulations on the specific accounts.
• Management of deferrals/ pre and post documentation Credit appraisal process to be done timely - Recommendation of Credit Limits Client Management & Servicing RMs should be on regular client calls for both existing and prospective clients.
• These calls should be done in a structured manner either individually or with support groups, branches or supervisors.
• Relationship building with both internal and external customer of the RM.
• Client satisfaction and taking care of all banking needs of the customer.
• Communicate all pain areas of the customer so that support functions help in resolving the same through process improvement / TAT for higher product share.
• Interaction with promoters and senior management of ECG relationships to build a strong relationship with the clients.
• To make sure high level of client satisfaction.
• Intra Bank Coordination & Communication Team management working as a team and do act as support to other team members when required.
• In line with Banks initiatives of growth.
• Interacting with various departments of the Bank and providing them with insight on ECG business and to get inputs on their business for cross sell at the region level.