Relationship Manager (JO to EO), Branch Retail and SME Banking

Graduation/ Post-Graduation from any reputed university with no Third Division/Class

Minimum 02 (two) years’ experience in Branch Retail & SME Banking in reputed banks /FIs

Candidate without experience/ fresh candidate need not to apply

Strong knowledge in banking/ financial services, SME and Retail Loan Products and compliances

Knowledge on regulatory framework, Credit Appraisal, ICRRS and Prudential Guidelines on Retail & SME Businesses

Experience of working in centralized environment and real time on-line banking will be an added advantage

To achieve monthly/ yearly set Branch Retail & SME Business target in terms of sales volume and number of accounts to develop own portfolio

Mobilize and achieve deposits target from individual customers, professionals, SME entrepreneurs and business entities

Source new Retail & SME loan clients/proposals through market visits, referrals and networking view a view to proper borrower selection

Ensure completion of loan processing and documentation in accordance with the bank's credit policy

Ensure loan monitoring, recovery and classification, in necessary

Maintaining quality asset through effective retention and prioritizing relationships, having appropriate relationship management plan & taking consultative approach to understand client's objectives, effective identification of financial needs, offering financial solutions

Monitor proper utilization of investment facilities in Small Business and maintain the quality of risk assets and ensure periodic review of the facilities

Manage and control Non-Performing Asset (NPA) overdue prudently

Ensure compliance with internal policies and procedures and external regulatory requirements