8 Medium Enterprise Jobs

Revenue Generation - Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups. Relationship Management - Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services. - Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal. - Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank. Communication/PR of Banks product - Undertakes brand communication initiatives for designated products. - Communicates product positioning messaging that differentiates the Bank’s products in the market. Market Research - Illustrates understanding of consumers, competition and current market conditions through primary and secondary research. Credit Appraisal - Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions. Documentation and Compliance - To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management groups. Role & responsibilities Preferred candidate profile

• Acquisition of New to Bank MSME relationships through the CRM and Knowledge Banking approach. • Regularly Engage with colleagues in Branch Banking, MSME Associations Office Bearers which shall help in meeting MSME Clients on daily basis. • Build Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients • Build Liability Book comprising of Current Accounts, Saving Accounts and Fixed Deposits by offering various Trade and Transaction products like Cash Management Services, Trade and Treasury Products. • Enhance Book Profitability and Client stickiness by consistently seeking an opportunity to expand share of wallet of the customer base through Cross Sell of POS (Merchants) Machines, Salary Accounts for employees, Insurance (both Life and Non-Life) and various other Wealth Management Products • Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client • Meeting the Targets - Both in respect of bottom line as well as top line by constantly enhancing the Productivity.

Urgent requirement for Leading Bank Relationship Manager - Mid Corporate Location - Chennai Responsibilities: - Managing existing relationships of the bank which includes preparation of annual proposals, interacting with credit team for sanctions, preparation and execution of loan documents, dealing with internal and external legal for mortgages. - Large emphasis and importance is on sourcing new relationships for the bank, both on the asset and liability side. Credit monitoring is as much an RM responsibility as that of a credit officer of the bank. - Build on the - One Bank- concept by coordinating with other departments in the bank to open promoter accounts, salary accounts and offering our retail assets, credit cards and corporate cards to the customer. - To meet the Banking requirements of the corporates for Short Term (Working capital) as well as Long Term Funding ( Medium / Long Term Loans) - To scope for opportunities in the Investment Banking space for Debt, Equity or M&A opportunities & work with the Investment Banking division for the same. - To focus on Priority Sector advances including IBPC opportunities in the region. - To focus on International Banking opportunities in the form of Buyers Credit, ECB, Suppliers Credit, Export forfaiting, etc. Interested candidate can share profile to jobs@avgloabaladvisory.com

SECTION I: Job Title Credit Manager Grade Manager or Senior Manager ROLE SUMMARY Ensure quality Appraisal of credit for Medium enterprises for Assets products majorly all working capital products, turnover upto 100cr and minimum ticket size is between 5cr and 25cr. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hind sight and Internal audit observations Conduct monthly Regional Council Meetings with all the stakeholders. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial Responsibilities Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer Assessment of Credit Proposal / Case for his respective location / region Presentation of key observations to Senior Management on periodic basis Managing a team & drive the results/ goals set for self & Team. Core Responsibilities Assessment of credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level Monitoring of delinquency, exceptions , portfolio movement. Maintaining data as required by the Senior Management People Management or Self-Management Responsibilities Active participation in process re-engineering related to product / process Collaborate with business , OSD & Policy team for any change in the process/policy. Self-driven, goal oriented & dynamic in nature. Risk and Internal Control Responsibilities Identify the gaps in the process & highlights to the Senior Management Suggestion for changes in Policy SECTION IV: Minimum Qualifications A CA/ MBA from a reputed institute Professional Certifications Language Skills Written and spoken English is essential Years of Experience: Minimum of 2 years of work experience in credit evaluation in a Bank or NBFC. SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS Product Knowledge Understanding Banking product , policies , loans. To be conversant with SME Loan Products Professional Entrepreneurship Should have proactive and constructive approach towards work Displays solution oriented and initiatives. Quality Focus Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership Competencies Lead and Develop people Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety TECHNICAL COMPETENCIES Financial Analysis and Market knowledge of industry segment.

Role & responsibilities Acquisition of Newto–Bank MSME relationships through the CRM and Knowledge Banking approach. Regularly Engage with colleagues in Branch Banking, MSME Associations Office Bearers which shall help in meeting MSME Clients on daily basis. Build Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients Build Liability Book comprising of Current Accounts, Saving Accounts and Fixed Deposits by offering various Trade and Transaction products like Cash Management Services, Trade and Treasury Products. Enhance Book Profitability and Client stickiness by consistently seeking an opportunity to expand share of wallet of the customer base through Cross Sell of POS (Merchants) Machines, Salary Accounts for employees, Insurance (both Life and Non-Life) and various other Wealth Management Products Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client Meeting the Targets - Both in respect of bottom line as well as top line by constantly enhancing the Productivity. Preferred candidate profile

Job Title: Relationship Manager Department: Medium Enterprises (ME) Experience: 39 Years Grade: Manager to AVP Role Summary: We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from 100 Cr to 500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities: 1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between 100 Cr to 500 Cr. Identify opportunities through market intelligence, references, and industry networking. 2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. 3. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank’s credit policies. 4. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. 5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. 6. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions. Desired Candidate Profile: Graduate/Postgraduate in Finance, Commerce, or a related field. 3–9 years of experience in corporate/SME/ME banking. Strong understanding of credit analysis and financial statements. Excellent relationship management and communication skills. Proven ability to drive business and manage risk effectively.

Job Title: Relationship Manager Department: Medium Enterprises (ME) Experience: 39 Years Grade: Manager to AVP Role Summary: We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from 100 Cr to 500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities: 1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between 100 Cr to 500 Cr. Identify opportunities through market intelligence, references, and industry networking. 2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. 3. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank’s credit policies. 4. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. 5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. 6. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions. Desired Candidate Profile: Graduate/Postgraduate in Finance, Commerce, or a related field. 3–9 years of experience in corporate/SME/ME banking. Strong understanding of credit analysis and financial statements. Excellent relationship management and communication skills. Proven ability to drive business and manage risk effectively.

Job Title: Relationship Manager Department: Medium Enterprises (ME) Experience: 39 Years Grade: Manager to AVP Role Summary: We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from 100 Cr to 500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities: 1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between 100 Cr to 500 Cr. Identify opportunities through market intelligence, references, and industry networking. 2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. 3. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank’s credit policies. 4. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. 5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. 6. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions. Desired Candidate Profile: Graduate/Postgraduate in Finance, Commerce, or a related field. 3–9 years of experience in corporate/SME/ME banking. Strong understanding of credit analysis and financial statements. Excellent relationship management and communication skills. Proven ability to drive business and manage risk effectively.