JOB DESCRIPTION

Basic Information

Position Title :Cluster Business Manager Emerging Enterprise Group.

Vertical :Assets

Location :Baroda

Vertical : Business Banking

Department : Sales

Organizational Relationships

Position Reporting to Regional Head- Business Banking

Direct Reports :Yes

Job Purpose :

Qualification Bachelor's/Masters degree in business, Chartered Accountant, CMA

Relevant Experience 6 + years of Business Banking sales experience

Functional Competencies Acquisition Planning, Customer Origination and Relationship Management

- Should possess a good understanding of SME space and business cycles

- Behavioural Competencies Judgment and Decision Making

- Problem Solving

- Teamwork & Strong communication, presentation and negotiation skills

Job Responsibilities :

Financial Responsibilities :

 - Establish new borrowing relationships for Business Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank's market share.

-   Spread and analyse financial statements, preparation of credit application, documentation & post-sanction monitoring through periodic account review/renewal.

- To monitor the portfolio closely and to ensure that the yield, delinquency and fee income target is duly met

- Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, periodical client visits call reports.

Non Financial Responsibilities :

-  To ensure there is extensive coverage of clients in the given geography with daily visits to at least 3 new prospects and submission of Daily Call Reports

- Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.

- To ensure to maintain highest level of service to the clients and ensure 100% renewal in Year 2 of acquisition

- To research companies, the segment they operate in and the industry they belong to. Study trends and analyse the competition to confidently present new lines to the clients and instil trust with your extensive knowledge of their industry.

 - To manage and enhance the existing commercial portfolio and solicit acceptable new relationships in order to meet the pre-set financial non-financial objectives.

Compliance & Risk Responsibilities :

- Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.

Key Interactions :

Internal External :

Credit Manager, Collections team other internal stakeholders in Branch Banking and Assets Finance Team and promoters of various companies

Documented By

Approved By Mr. Vinay Vaish

This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.