WBCG:MNC & GCC - Associate Relationship Manager

• Analyze the financial and business risk profile of companies, assign Credit rating and prepare conclusive and focused credit proposals
• Monitor and update on key trends, challenges in the sectors, economic developments as well as financial parameters of clients to detect potential risk triggers
• Provide quality analysis compliant with RBI guidelines, legal and other internal compliances that leads to a sound decision making
• Ensure NPA /restructuring levels for the group are minimized
• Source new customers to generate revenue for fund Based and non-fund based products and increase customer base
• Strengthen relationship with existing customer base so as to generate sustained business and identify opportunities for cross sell.
• Ensure prudent portfolio management and diversification of risk in partnership with the Credit Team to achieve portfolio quality
• Ensure implementation of due processes, guidelines and Bank's code of conduct in all transactions, sanctions, disbursals and post disbursal activities.
• Review daily/ periodic reports with a view to identify business opportunities, act upon early warning signals highlighted by the central teams, implement exit plan for stress accounts
• Provide feedback to Risk Management/ Product Policy / Process Monitoring Teams for streamlining the processes to ensure TAT reduction, Risk Diversification and Inclusive policy.
• Ensure Product Per Customer (PPC) growth in the allocated portfolio in the defined set of products
• Ensure prudent implementation of Digital initialization taken by the Bank in alignment with the GoI/ GoM initiatives by critically analyzing the cost benefit to the bank.
• Ensure replication of Centrally Sponsored Schemes (CSS) and State Sponsored Schemes (SSS) across given portfolio.
• Ensure throughput of CDBT & GST taxes from given portfolio and assist the Nodal officer as and when required.
• Review existing portfolio and constantly updating of ReKYC, PAN nos & Covenant compliance as per the Banking standards

For successful execution of the job, the candidate should possess the following:

. Knowledge of banking CMS/ Sector Specific/ Customized Banking applications/ products and services

. Knowledge of regulatory guidelines and norms

. Good communication (both verbal and written) skill in both English and the Regional language

. Ability to manage complex client situations

. Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

. Ability to handle pressure and meet deadlines