Overall Job Description :

- The candidate will be required to acquire NTBs in SME segment & deepen wallet share in existing portfolio of clients.

- Candidate should have experience is undertaking credit risk appraisal & presenting the proposal to relevant forum/s for sanction.

- Should be able to achieve budgets set by Bank's management & bring aggressive growth through SANCTION & DISBURSEMENT of NTBs in SME.

Specific Roles and Responsibilities: -

- Responsible for new client acquisitions as well as maintaining and enhancing the existing portfolio of SME group

- Ability to structure the facilities as per the client's need and bank's strategy ensuring optimum profitability & sustainability of the business within the regulatory framework. -

- Should have knowledge of the local market where he / she knows the leading SME Clients, Undertake credit risk appraisal, prepare appraisal notes, term sheets & financial model and engage with credit team to resolve queries and present the case to relevant senior management forums for sanction.

- Engage & co-ordinate with various internal teams for relevant approvals, documentation, limit setup, disbursement, post-disbursement compliances and monitoring. Ensure end-to-end transaction execution from origination to completion.

- Engage and maintain senior management relationships of SME clients to deepen wallet share, negotiate pricing & cross-sell other banking products like CMS, salary a/cs, corporate cards and insurance.

- Responsible for monitoring and maintaining credit health of the portfolio & take appropriate steps to proactively mitigate any sign of stress in the portfolio.

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