DEPARTMENT: Retail Banking 

REPORTING TO: Head - Business Banking

LOCATION: Narayangarh Branch

KEY RESPONSIBILITIES: 

• Proactive business skills in soliciting Business Banking (BB) clients with emphasis on Business Working Capital (BWC) loans and Cash Management opportunities
  
• Cross-sell liability proposition as part of the Business Banking value proposition     
  
• Proactive assessment and monitoring of relationship risks of the portfolio
  
• Responsible for preparing credit applications for new and existing facilities including renewals  
  
• Maintain regular interface with operational units such as, Service Delivery and Cash Management
  
• Ensure optimum utilization of credit facilities for all relationships under the portfolio
  
• Prompt recognition and reporting of deteriorating credit risks in accounts under the portfolio   
  
• Day-to-Day monitoring and control of the relationships i.e. excesses, past dues, overdue reviews etc 
  
• Regular monitoring of revenue and other related MIS in the portfolio     
  
• Responsible for raising call reports after each customer visit and other appropriate interactions
  
• Rigorous follow up on accounts under the portfolio carrying document deficiency and excesses
  
• To become well versed with the Bank’s BB operating systems
  
• Ensure clear and timely understanding and implementation/compliance to/of all the procedures and regulations applicable to accounts under the portfolio
  

KNOWLEDGE/SKILL/EXPERIENCE:

• Masters degree preferably in Finance and Economics with minimum 3 years of experience in relevant field
  
• Ability to work in challenging circumstances with willingness to take stretch targets
  
• Credit assessment, monitoring and analytical skills
  
• Strong working knowledge on Trade and FX products
  
• Strong communication and interpersonal skills
  
• Knowledge of general banking systems, policies and procedures