Job Purpose:
To manage existing and solicit acceptable new relationships for the MSME, in order to meet pre-set financial / non-financial objectives.
Key Roles and Responsibilities:
- Credit Guarantee Scheme (CGS) and Co-Lending Scheme -Help to establish Partnership with banks and get business generated from them for credit guarantee scheme as well as co-lending and to ensure the assigned target per partner banks are met
- Manage all customers focusing on relationship Management & up-selling/ deep-selling/ cross selling other bank products. Seamlessly takeover new relationships originated or referred by various channels within the bank.
- Responsible for quality & soundness of portfolio under management & ensuring compliance
- with banks approved policies
- To establish, develop and grow the relationship with Partner Banks for credit guarantee and co-lending by actively and consistently following up on the new business and to ensure internal policy is followed while sourcing NTB customer from partner banks under this scheme
- Periodic training sessions to be arranged with partner bank for credit guarantee and co-lending to keep them updated on the revised policy or if any change in market dynamics
- Maintain & manage an assigned portfolio with existing MSME clients to retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets.
- Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling complete range of products offered by the bank.
- Screen the market for NTB opportunities & develop the portfolio by soliciting new relationships within the defined segment and acceptable risk parameters for achieving the assigned financial and non-financial objectives
- Assume complete ownership of the managed portfolio. Provide superior customer service and regularly meet all customers. Maintain close working relationships with clients to ensure in depth understanding of business so as to reduce risks, promote cross sell & maximize earnings.
- Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.
- Hands on relationship management to ensure effective and timely delivery of the bank's services/products to clients.
- Follow-up and closely monitor assigned relationships to ensure satisfactory account conduct and early rectification of credit related issues, if any.
- Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the effectively & maintain acceptable portfolio quality.
- Liaise between internal and external advisors to ensure precision of agreements.
- Liaise with superiors and direct reports if any within the business units, Risk Management and related enabler units within the bank to achieve business objectives.
- Develop a strong level of local contacts with the local business and financial institutions community
- Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc. as set out by the bank from time to time.
