Relationship Manager-Small Enterprises
About the job
Relationship Manager-Small Enterprises Turnover-up to 100cr Ticket Size - 1cr-10cr Product - Working capital Core Responsibilities Revenue Generation • Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management • Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services • Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal • Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Communication/PR of Bank’s products • Undertakes brand communication initiatives for designated products • Communicates product positioning messaging that differentiates YES Bank’s products in the market Market Research • Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Credit Appraisal • Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions Documentation and Compliance • To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group Self-Management Responsibilities • Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year. • Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training. • Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively. • Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks. Risk And Internal Control Responsibilities • Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager. • Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.
About the company
YES BANK is a private sector bank in India, providing banking and financial services to its clients. The bank focuses on customer-centric solutions and aims to deliver value through its diverse range of products and services.
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