HDFC Bank - Relationship Manager - Business Banking - Working Capital (3-8 yrs)
Job Description:
The role primarily involves :
- Managing a portfolio of between 20-35 BBG credit relationships. The number of relationships managed depends on the geography covered and branches mapped to the RM.
- HNW relationship management of the BBG customers
- Addition of 1 new credit relationships per month
When the portfolio size reaches 40 credit relationships, the portfolio is split into 2 and an RM/SM is added to takeover part of the relationships.
The HNW relationship management of the BBG relationship includes,Cross sell of CASA to the group companies of the BBG customers, and to the promoter family members.
- Growth of the CASA balances of the group
- Day-to-day servicing of all the group accounts at the branch
- Cross sell of other asset products, investment products and non-income products to the HNW group being managed by the RM.
Activities :
- Regular Branch interaction for lead generation for BBG and updates on the leads.
- Updating LTS and conversion of leads generated by the branches
- Cam Preparation & query resolution
- Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement, including deferral closure
- Customer negotiation on rates and other issues relating to charges.
- Co-ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Buyers credit, TOD's.
- Co-ordination with local Ops for disbursement of a case, TOD limit setting, submission of Stock Statement.
- Daily servicing of customer - Issuance of Cheque books, DDs, cash deposition / withdrawal issues, solvency certificates, RTGS, trade & fx transaction, etc.
- Housekeeping including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visit, Site visit etc
- Stressed accounts / Exit account management, follow-up and regularization of TOD- s
- Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities
- Cross sell of various asset products, other liability accounts, TPP products to the existing Relationships and its group accounts raised as HNW.
- Increasing the IPH and CTG to ensure revenue maximization.
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