Associate Relationship Manager-NBFC

As an Associate Relationship Manager-NBFC in the Wholesale Banking department, your main responsibility will be to prepare credit proposals in order to support credit committee decisions related to the clients" portfolio quality, capital adequacy, liquidity, management quality, and credit rating for the proposed financing. Your roles and responsibilities will include performing credit appraisals of NBFC & NBFC-MFI clients by analyzing factors such as AUM growth, portfolio quality & performance, portfolio growth, management quality, CAR, and balance sheet analysis. You will be responsible for preparing credit proposals that combine financial analysis with sectorial information to aid credit committee decisions. Additionally, you will liaise with Credit Risk and Compliance departments to ensure the credit memo is approved internally. You will be expected to handle Early Warning Signal meetings and provide appropriate responses for each observation to maintain overall portfolio hygiene. Supporting Relationship Managers & Senior Relationship Managers in client meetings, internal presentations, and MIS will be part of your duties. You will also be involved in loan disbursement & documentation functions, working closely with legal, compliance, and audit departments on proposal aspects. Building and improving business relationships with clients by visiting them will be essential. You will proactively assist RMs/SRMs in preparing business/account plans, identifying target clients, and conducting Centre & Branch visits for NBFC/MFIs. Regular interaction with clients, external rating analysts, and maintaining call reports will be crucial in this role. Analyzing quarterly financial performance, Receivable Audit, and highlighting trends and deviations in collections & overall portfolio quality periodically will also be part of your responsibilities. To qualify for this role, you should have a Graduation degree, preferably in any field, along with a Post-graduation degree. A professional qualification as a Chartered Accountant (CA) is required. A minimum of 2-5 years of experience in portfolio management & credit analysis roles is preferred.,