Relationship Manager - Commercial Banking (Mid Corporate)

Role - RM Commercial Banking (500 cr to 1000 Cr)

Role Summary:

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Corporate team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from 300 Cr to 1000 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 Mid Corp segment. 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 banks 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.
• 4 to 8 years of experience in corporate/ Mid Corp / Large Corp commercial banking.
• Strong understanding of credit analysis and financial statements.
• Excellent relationship management and communication skills.
• Proven ability to drive business and manage risk effectively.