Relationship Manager Small Enterprises

As a Relationship Manager at our organization, your primary responsibility will be revenue generation to achieve the bank's objectives in terms of earnings, assets, liabilities, credit quality, etc. You will be expected to meet agreed budgets and targets by developing client relationships across all product groups. Your role will involve seeking and acquiring new client relationships by understanding their financial needs and providing suitable solutions through bank products and services. Managing client relationships will include activities such as identifying financial needs, advising clients, structuring deals, preparing terms and conditions, and closing agreements. It will also be essential to assess banking needs and risks for clients to optimize risk-reward for the bank. Taking ownership of brand communication initiatives for designated products and communicating product positioning messages that differentiate YES Bank's products in the market will be part of your responsibilities. You will also be required to demonstrate an understanding of consumers, competition, and current market conditions through primary and secondary research. In terms of credit appraisal, you will be responsible for detailed analysis of income statements, balance sheets, financial ratios, cash flows, management risks, industry risks, and economic conditions. Maintaining high-quality standards of documentation, client communication, process compliance, and regular interactions with product partners, OSD, Risk Management, and other Relationship Management groups will be crucial. Self-management responsibilities will include defining performance goals in alignment with the reporting manager, monitoring and achieving these goals throughout the year, and identifying development needs to bridge gaps through various means. Keeping abreast of relevant professional and industry developments, new techniques, and current issues through continued education and professional networks will be expected. Adhering to risk policies and processes to mitigate operational, regulatory, financial, informational, reputational, and audit risks as instructed by the departmental manager is vital. You will also be responsible for executing established internal control systems and compiling relevant information for departmental audits when necessary.,