RM Business Banking Working Capital, Delhi


RM Business Banking Working Capital

Any Graduate

Working Capital- Business banking

BUSINESS UNIT Business Banking – Working Capital
JOB TITLE Relationship Manager
REPORTING LINE Territory Head
 

Job Description:
The role primarily involves
 Managing a portfolio of between 20-35 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
 Addition of 1 new credit relationships per month
When the portfolio size reaches 40 credit relationships, the portfolio is split into 2
and an RM/SM is added to takeover part of the relationships.
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 TOD’s
- 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.

EDUCATIONAL QUALIFICATION Any Graduate

CTC Range - 10 lkh ~ 13 lkh

Job location - Delhi