Working Capital Relationship Manager

A Working Capital Relationship Manager job description involves acquiring new clients, managing existing relationships to grow the portfolio, and providing financial solutions for working capital needs. Key responsibilities include preparing credit proposals, liaising with internal teams like credit and operations for loan sanctioning and disbursement, monitoring portfolio health, and ensuring customer satisfaction. The role requires strong financial analysis skills, cross-selling abilities, and effective communication. Core responsibilities

• Client acquisition and relationship management:

• Sourcing new clients by generating leads through various channels and identifying potential industrial and trading units.
• Building and maintaining strong relationships with clients to understand their business needs and ensure satisfaction.
• Enhancing existing relationships by cross-selling products like term deposits, transaction banking, and trade finance.

• Financial and credit management:

• Analyzing client businesses, cash flows, and financial statements to structure appropriate working capital solutions, such as cash credit, demand loans, and letters of credit.
• Preparing credit assessment documents (CAM) and conducting due diligence, including site visits and stock statement scrutiny.
• Ensuring smooth post-sanction processes by liaising with credit, operations, and trade finance teams for disbursement and other formalities.

• Portfolio monitoring and compliance:

• Monitoring customer accounts to ensure cash flow and fund utilization comply with sanction stipulations.
• Maintaining portfolio health, minimizing delinquency, and taking proactive steps to exit stressed accounts.
• Ensuring timely renewal of insurance, submission of stock statements, and compliance with other credit covenants.

• Operational coordination:

• Coordinating with internal departments like credit, operations, and trade desks to resolve client issues.
• Working with branch teams for customer acquisition and service support.

Required skills and qualifications

• Bachelor's degree in finance, business administration, or economics.
• Several years of experience in banking, particularly in credit assessment or financial services.
• Strong analytical and financial analysis skills, including balance sheet analysis.
• Proficiency in preparing credit proposals and understanding financial statements.
• Excellent relationship management and cross-selling abilities.
• Knowledge of working capital products, liability, forex, and trade finance.

  Role & responsibilities

Preferred candidate profile