Relationship Manager - Branch Empowerment

Neptune Consultants
  • Mumbai
  • Confidential
  • 2-7 years
  • 26 Jun 2015

  • Sales/ Business Development/ Account Management

  • Financial Services/ Capital Markets, Banking - Retail
Job Description

The role primarily involves -

Managing a portfolio of 20-50 credit relationships residing in the branch across the 3 biz verticals viz., Business Banking, Commodity Finance and Emerging Enterprises Group.

Relationship management of the customers in the portfolio assigned, including -

- Complete ownership of the client relationships in the portfolio
- Cross sell of liability and third party products in the portfolio
- Cross sell of other asset products and non-income products in the portfolio
- Attending to credit and non-credit related customer requirements on a day to day basis
- Regular monitoring, customer visits & follow-ups to ensure health of the portfolio
- Timely renewals/enhancements & interim/ad-hoc credit limits as per client needs
- Responsibility for uptodate housekeeping for the credit relationships

Sourcing & conversion of new credit relationships as well as growing the existing relationships in value through enhancements / additional facilities / cross-sell

Generation of new leads for WC (BBG, EEG and Comfin) verticals
Generation of new leads for Liability, TPP and other asset products
Customer meetings & collection of pre-sanction documents
Cam Preparation, file login with credit and resolution of credit queries
Customer negotiation on rates and other issues relating to charges & closing the deals
Getting post sanction documents executed, arranging legal and valuation reports etc & login with Ops
Resolution of any discrepancies in documentation & arranging for disbursement
Followup and closure of post disbursement deferrals, incl. mortgage creation
Regular customer visits and filing of Call Memos
Ensuring timely collection of Stock Statements and setting up of DP in the account
Follow up for regularization of any credit monitoring issues such as TOD, Interest Servicing, Churning etc
Arranging for credit approvals for any TOD/Adhoc / Interim requirements of the customer
Documentation and disbursement of Adhoc/Interim approvals & followup for timely regularization
Ensuring timely renewal of limits and arranging credit approvals for any deferrals / extensions etc
Day to day client servicing for transaction requirements i.e 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

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Neptune Consultants