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Experience: 8-12 Years | Salary: INR Client is one of the best paymaster in the Industry | Opening(s): 1 | Posted Date : 2019-05-16
Hiring For One of the Leading MNC.
Job Description
  • To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Commercial Banking customers within acceptable risk parameters.
  • Contribute toward achieving team’s overall target and delivering optimal portfolio return.
  • Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
  • Business
  • Achieve individual financial and non-financial targets while contributing towards team’s overall deliverables through:
  • Effectively generating new business – identify prospects and convert in line with the Bank’s appetite
  • Strategically formulating account plan – provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions
  • Proactively building trusted client relationships – maintain a portfolio of active and growing customers
  • Market and sell broad range of products including trade service, cash management, treasury and investment
  • Prepare credit proposal and loan application of customers; prepare annual review on timely basis
  • Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy
  • Implement agreed business plan to achieve sales/ revenue targets
  • Generate creative ideas on customer acquisition and products/ services
  • Regularly feed back to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products
  • Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct
  • Processes
  • Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
  • Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
  • Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring that they are fit-for-growth.
  • Conduct regular and timely customer due diligence (CDD) reviews
  • Ensure CDD profiles are error free for timely sign off
  • Follow and comply with AML CDD policies and procedures where applicable
  • Identify KYC issues, provide solution or escalate to line manager if necessary
  • Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
  • Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures
  • People and Talent
  • Embed the Group’s values and culture
  • Coach peers and more junior staff as appropriate
  • Partner effectively with internal stakeholders to deliver effective client solutions
  • Risk Management
  • Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
  • Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
  • Do what is right in order to avoid reputational risks and operational losses
  • Governance
  • Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable):
  • Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
  • Client Due Diligence & Related Periodic Reviews
  • Treating Customers Fairly
  • Approval & review of Credit Applications
  • Data Confidentiality
  • Cross-Border Policy
  • Sanctions
  • Environmental and Social Risk Management (ESRM)
  • Anti-Bribery and Corruption (ABC)
  • Engage with all audit report findings and ensure feedback is acted upon
  • Regulatory & Business conduct
  • Display exemplary conduct and live by the Group’s Values and Code of Conduct.
  • Lead the Business to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.*
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Desired Profile
  • Minimum 4-6 years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus
  • Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
  • Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment
  • Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking
  • Firm in all business guidelines and compliance issues
  • Sound knowledge of financial markets and investment products
  • Outstanding communication and presentation skills

Reference ID - GH/BFSI/JC//15052019//83791/RM - Commercial Banking

Industries TypePrivate Banking
Role RM - Commercial Banking - With Leading Banking Industry Client
Skills Sales, Acquisition, Relationship Management, CMS, Trade, Commercial Banking
Functional Area Sales & Marketing
Education University Graduate
Location Pune
Keywords Sales, Acquisition, Relationship Management, CMS, Trade, Commercial Banking
Contact HR
Telephone 01146547700
Reference id GH/BFSI/JC//15052019//83791/RM - Commercial Banking