Job Description
SECTION II : ROLE SUMMARY
The role holder is responsible for acquisition of New to Bank Business Banking MSME relationships through the CRM and Knowledge Banking approach.
The role holder is also responsible for building Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients.
SECTION III : KEY RESPONSIBILITIES / ACCOUNTABILITIES
Strategic / Managerial Responsibilities
Core Responsibilities
Assess and monitor facilities being sanctioned to clients along with monitoring of business performance and account conduct
Ensure portfolio / client level exceptions are minimum and in control.
Analysis of Financial and Bank Statements of the clients
Assessing requirements for Credit Facilities including Working Capital, Trade Finance, and Term Loans etc. for the Business Banking / SME space.
Carry out Due Diligence of clients to mitigate various associated risks
Industry Analysis and Benchmarking against Industry standards
Prepare and present Credit Proposal to the sanction authorities.
Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client
Meeting the Targets - Both in respect of bottom line as well as top line by constantly enhancing the Productivity.
People Management or 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 the departmental manager.
Executes the established internal control systems and compiles relevant information for departmental audits, as necessary.
SECTION IV : KEY INTERACTIONS
Key Internal Interactions
Purpose of Interaction
Risk Management
For coordinating on all aspects to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client
Branch Banking
For coordinating on acquisition of New to Bank Business Banking MSME relationships through the CRM.
Key External Interactions
Purpose of Interaction
MSME Associations
For coordinating on acquisition of New to Bank Business Banking MSME relationships through the Knowledge Banking approach. 
