Job Category: Relationship Manager- Commercial Banking
Job Type: Full Time
Job Location: Mumbai
Company Name: RBL Bank
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Client : – RBL Bank
Position: – Relationship Manager- Commercial Banking
Grade: – DVP
Location: – Mumbai
Job Description:
| Job Title | Relationship Manager- Commercial Banking |
| Department | Commercial Banking |
| Grade | DVP |
| Location | Mumbai – CO |
| Eligible Grade | AVP/DVP |
| Reporting To | Zonal Head |
Position Purpose
| Business development & Portfolio Management* in clients with revenues of Rs.50 Cr. – Rs.2000Cr.Deepen client engagementCross sell – Ensure delivery of banking solutions in collaboration with other parts of the bankProvide guidance to ARMsConstant client engagement to be fully aware of goings on in the company to anticipate business opportunities/ potential credit issues, if any * Asset, liability, and fee based. |
Position Responsibilities
| Sr. | Key Responsibilities |
| 1 | Business Development and acquisition Acquire new corporate clients within the segment using either asset, liability or fee opportunities |
| 2 | Relationship Management & Need Analysis Ensuring increase in wallet share from existing customer portfolio in Commercial Banking for increasing assets / liabilities / fees & income for the Bank.Structuring of Fund / Non Fund / Trade / Fx based financial products for working capital & capex requirements to suit customer’s need |
| 3 | Documentation & Process Performing financial analysis, Business analysis and liaise with Credit teams for getting sanctions/ renewals and ongoing monitoring. Liaise with various divisions like Compliance / CAD / Legal / WCS / Product Teams like Transaction Banking / BAAS / Fx teams for on boarding / deepening client and then servicing them |
| 4 | Maintenance of Portfolio Quality and performance Maintaining portfolio quality by monitoring the performance of the account / pending compliances and identifying stress and delinquency situationsProviding cross referrals to other business groups and ensure relationship deepening through other products |
Qualifications and Experience Requirement
| Qualifications | |
| Essential | CA’s or ICWA or MBA’s from reputed institutes |
| Experience | |
| Essential | 5-8years’ experience |
- Skills
| Skill | Attribute |
| Business Development Relationship Management Credit risk understanding Credit structuring Banking products understanding Problem solving Conflict management Ability to get things done Team player Communication | Excellent business development skills. Good connect at local market Good in relationship Management skills Deep Knowledge on Credit Risk Understanding in order to ensure proper due diligence Sound Understanding of commercial market products as well other products of bank to ensure right need analysis Ability to effectively solve problems and provide effective solutions well within desired TAT Excellent conflict Management skills Unwavering focus on achieving results Working collaboratively to achieve the common goals and be successful together The ability to convey information to others effectively and efficiently |
Key Success Differentiators
| Client relationship management Credit understanding and structuring Problem solving attitude Team player and ability to get things done from others |
Kalpana Jha
Branch Business Consulting Partner
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