Relationship Manager-ECG

Role & responsibilities

Portfolio Management

• To Achieve over all business targets on volumes and profitability for the specific ECG customers.
• Monthly review to be done with various product groups and supervisors who support the RM portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
• To keep a check on the performance of accounts and overall portfolio.
• Portfolio review and remedial management includes managing exits, line reductions, recovery and restructuring of exposures. Management of stress and critical accounts.
• Improvement on yield for the Bank so that the Portfolio has a strong Return on capital RM portfolio level.
• Keep a track on Performance, variance with budgets and plans to meet shortfall for his / her own portfolio.

Increased Product Penetration

• Wallet share identification and scoping of all accounts existing and potential NTB customers
• Scope for possible product penetration and provide strategy on the specific accounts
• Cross sell of all products of the Bank and be the front face of the bank for all products.

Operations & Processes

• Ensure that all the management guidance is properly adhered to for effective management guidance implementation.
• KYC / AML tracking of the customers handled by the RM.
• All documentation formalities to be done for effective pre and post disbursement of facilities or banking products.
• Tracking of deferrals and updating all information as per RBI and credit regulations on the specific accounts. Management of deferrals/ pre and post documentation
• Credit appraisal process to be done timely - Recommendation of Credit Limits

Client Management & Servicing

• RMs should be on regular client calls for both existing and prospective clients. These calls should be done in a structured manner either individually or with support groups, branches or supervisors.
• Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer.
• Communicate all pain areas of the customer so that support functions help in resolving the same through process improvement / TAT for higher product share.
• Interaction with promoters and senior management of ECG relationships to build a strong relationship with the clients.
• To make sure high level of client satisfaction.

Preferred candidate profile