Relationship Manager - CV- Sales-Kharagpur - Atwals Real Estate -JM*

1 New Business Prospects

• Originate new business prospects within the SME sector through direct sourcing and open market channels.

2 Customer Acquisition

• Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.

3 Business Generation

• Meet existing SME clients to identify business opportunities and drive revenue.

4 Working Capital Facilities

• Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. Customer Relationship Management:
• Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients.

5 Cross-Selling

• Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.

6 Credit Risk Assessment

• Assess the credit risk associated with SME clients and their proposed financing structures.
• Collaborate with credit and risk teams to ensure sound credit decisions.

7 Financial Analysis

• Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
• Prepare and present comprehensive credit proposals.

8 Credit Structuring

• Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles.
• Optimize the credit solutions offered to SME clients.

9 Compliance and Regulations

• Ensure compliance with all relevant regulatory requirements and internal policies.
• Stay updated on changes in regulations affecting SME banking.

• Qualifications -
• Minimum Degree: Post Graduate/Graduate in any discipline.