Relationship Manager - Commercial Vehicle - Sales

As a professional in SME banking, your role involves originating new business prospects within the SME sector through direct sourcing and open market channels. You will be responsible for acquiring SME customers, managing their proposals, and guiding them up to the disbursement stage. Additionally, you will meet with existing SME clients to identify business opportunities and drive revenue growth. Your key focus will be on providing SMEs with a range of working capital facilities tailored to their specific needs, including Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, and Term Loan products. You will also play a crucial role in managing and nurturing customer relationships, addressing both service and sales queries to engage and retain SME clients effectively. Cross-selling retail banking products to SME customers will be a part of your responsibilities to maximize revenue and meet sales targets. Furthermore, you will assess the credit risk associated with SME clients and their proposed financing structures, collaborating with credit and risk teams to ensure sound credit decisions. Conducting in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements will be essential. You will also be required to prepare and present comprehensive credit proposals, structure credit facilities aligning with SMEs" business needs and risk profiles, and optimize the credit solutions offered to SME clients. Ensuring compliance with all relevant regulatory requirements and internal policies is paramount. It is also crucial to stay updated on changes in regulations affecting SME banking to operate within the legal framework effectively. Qualifications for this role include a Post Graduate or Graduate degree in any discipline.,