Job Requirements:

• Chartered Accountant
• Good knowledge on various corporate banking, trade and treasury products
• Good credit and analytical skills are essential
• Should have excellent relationship skills and prior experience in handling corporate customers
• Should be target oriented and willing to take responsibilities
• Excellent communication and presentation skills - with a basic level of sophistication in personal interaction and grooming
• Should have a self-starter orientation and confident personality

Job Responsibilities:

Business Development - Existing client relationship management
• Generate revenue from relationships by offering various products and services of the Bank
• Scoping of existing client base in portfolio in order to identify new opportunities for the Bank on a continuous basis
• Overall responsibility to maintain good relationship in order to become “first point of call” and also achieve the budgeted revenue from the portfolio
• Regular interactions / meetings with clients to identify potential opportunities for the Bank and offer suitable products and services
• Regular joint calling on Clients along with other Product and Service teams of the Bank to ensure

Cross-Sell of products and ensure service delivery as well as create multiple touch points for the client to ensure continuity
• Joint calling along with Credit Team to identify new opportunities as well as potential stress indicators for the Bank and maintain overall health of the portfolio
• Periodic visits to plants and other off-site locations of the Corporates with dual purpose of business development and credit monitoring

Business Development - New client acquisition
• Identify and develop potential customers for the Bank
• Acquiring new relationships, including MNCs, by regular follow-up / meetings with target clients and offering them value-add to induce conversions

Product penetration & cross sell
• Generate and identify new opportunities by understanding the client’s needs and cross-sell suitable products

Increase in wallet share
• Increasing Bank’s share in existing products being used by the existing relationship by offering value additions and customizations

Internal processes and Coordination
• Credit appraisal preparation for existing & new corporates, for getting the deals sanctioned
• Understanding and analyzing financial statements for deal structuring and credit decisioning
• Credit monitoring and maintenance for overall health of portfolio
• Coordination with various internal stakeholders to ensure service and product delivery to the Clients in a timely manner
• Responsible for housekeeping in terms of periodic internal memos and deferrals

Knowledge Building and Market Intelligence
• Remaining updated on regulations and internal guidelines concerning Corporate Banking business.
• Sharing of important information / market updates with peers which may impact deal structuring
• Ongoing interaction with Competition and being aware of market practices and competition offerings to Corporates in order to capture new / emerging opportunities
• Taking initiatives beyond normal work/expectations to aid to the overall target for the team
• Generating ideas for increasing business by offering innovative solutions/products