Position : RM - BBG ( Working Capital)

Banking Sector

Location : Chennai

We are looking for candidates with relevant experience in Banking Sector only not Operations(banking Sector)

Job Description :

The role primarily involves :

- Managing a portfolio of existing 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

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 TODs

In Basic Description :

- Acquire & maintain customer relationship and understanding their needs for cross-sell

- Acquiring trade clients, assets, forex, portfolio management, and CASA values

- Sourcing current accounts and dealing in various Trade and Treasury Products, Bill Discounting, Bank

Guarantee, Letter of Credit, Cash Credit / Overdraft, Payment and Cash Management, Factoring, etc

- Customizing product as per the customer requirements

- Plan the activities to acquire New Client acquisition

- Providing support in all the operational activities of bank

- New client acquisition for working capital

- Coordinating with credit team and other related departments

- To deepen share of wallet for the acquired portfolio.

- To support/implement marketing initiatives and lead generation channels

- Sourcing business for credit proposals from corporate

- Act as single point for customer query resolution

Deliverables :

- Acquire and maintain business loans clients for the bank

- Perform various financing activities as per the customer's requirement

- Negotiate deals by interacting with people at various levels of the organization and outside environment

- Achieve individual targets and grow account profitability, while maintaining a high service standard and compliance

Product/Customer Handled :

- Working capital, Term loan, Project finance

- Retail business loans clients between 0 to 2 cr. of lending size of business

- 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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