JOB DESCRIPTION:

Identify and market new business to achieve the budgetary targets.

- Visit customers to establish the relationship in order to book and maximize utilization of the bank's services and products including cross selling of products. These to be documented in call reports.

- Assess customer's worthiness for facilities granted / to be granted and make recommendations in the form of credit applications.

- Attend to customer request promptly.

- Monitor customer accounts to ensure adherence to limits, credit policies and regulations. Conduct periodic review of the accounts.

- Ensure necessary documentation is obtained in terms of sanctions for facilities granted to the customer.

- Monitor customer activities in relation to market condition, account conduct etc., in order to protect the Bank's interest and arrange appropriate classification of accounts.

Prepare reports / returns required by the Management, Board of Directors, Internal and External Auditors, Central Bank Officials, Etc., on the managed portfolio.

- Ensure Mumbai CCB objectives and targets on both assets and liabilities sides are achieved.

- Develop Mumbai Branch marketing plan and strategies in coordination with Head of CCB.

- Follow and implement approved credit policies and procedures.

- Review overdue reports on daily basis to identify potential problematic accounts and follow up directly with the clients for appropriate remedial actions. Coordinate with CRMD on problematic accounts for management and recovery.

- Any other duties as assigned by the CCB Head Mumbai Branch.

- Unit Visits to understand the operations of the company as per the Bank's Internal Policy.

- Attend Consortium Meetings and provide feedback to Head CCB through Call Reports.

- Monitor performance through Quarterly / Half Yearly / Annual Financial Statements, Ratings of External Agencies and other sources.

- Identify Early Warning Signals and take appropriate action including exiting the relationship, wherever felt necessary.

- Keep appropriate authorities informed of material deterioration in the conduct of account and take timely action to prevent potential loss to the Bank.

- Rectify deficiencies, if any, pointed out by the Auditors.

- Ensure timely completion of Annual Review of account by closely working with the Credit Analyst.

- Ensure strict compliance with RBI / Statutory Guidelines.

- Work closely with overseas units and help source business for them or provide assistance in completing due diligence on clients proposed to be on boarded.

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