Relationship Manager-Emerging corporates/Ludhiana

Job Description:

RM – Emerging Corporate

Main Accountabilities

1 Client Acquisition: 

• Lead efforts to acquire new clients in the Emerging corporate/SME sector, identifying prospects, and converting them into valuable business relationships

2 Client Relationship Management:

• Build and maintain strong relationships with corporate clients in the Emerging Corporate/SME segment
• Understand clients' financial goals, challenges, and opportunities.
• Identify new business opportunities and revenue streams within the corporate finance sector.
• Expand the client base and promote financial products and services.

3 Deal Structuring:

• Collaborate with clients to structure financial deals tailored to their specific needs.
• Prepare and present proposals to clients.

4 Credit Solutions:

• Offer credit solutions, including working capital facilities, overdrafts, term loans, and other financial products.
• Assess creditworthiness and risk factors associated with clients.

5 Portfolio Growth:

• Focus on portfolio growth by cross-selling financial products and services.
• Achieve budgetary targets for Net Interest Income (NII) and fee income.

6 Financial Analysis:

• Analyze financial statements, credit reports, and market trends to assess client performance and risks.
• Develop insights to enhance client portfolios.

7 Compliance:

Ensure strict compliance with all audit, regulatory, and company regulations, processes, and policies. 

Key Requirements:

• Experience of 4+yrs in working capital products (Cash Credit, Term Loan assessment) and related processes (Valuation process, equitable and registered mortgage process like Title search reports)
• Dealing with ticket size more than 10-15 cr and turnover size between 100cr -500/1000cr
• Strong understanding of financial ratios / financial parameters / Balance sheet reading (Current ratio, Leverage, Gearing, DSCR, Net worth, working capital cycle calculation, MPBF, DP calculation.
• Willing to travel and handle nearby locations.
• Willing to work alone end-to-end. Must have regional corporate clients knowledge
• Must have satisfactory writing skills to prepare basic write-up.
• NTB/NCA is the main criteria No portfolio management required.