Relationship Manager Business Banking
AU SMALL FINANCE BANK
Designation: Relationship Manager Business Banking
Office Location:
Position description: #*Position description*#
Primary Responsibilities: #*Primary Responsibilities*#
Additional Responsibilities: #*Additional Responsibilities*#
Reporting Team
- Reporting Designation: #*Reporting Designation*#
- Reporting Department: #*Reporting Department*#
#*Education and Experience*#
- Category: #*Category*#
- Field specialization: #*Field specialization*#
- Degree: #*Degree*#
- Academic score: #*Academic score*#
- Institution tier: #*Institution tier*#
Required Training/s: #*Required Training/s*#
Required Work Experience
- Industry: #*Industry*#
- Role: #*Role*#
- Years of experience: #*Years of experience*#
Responsibilities:-
- Develop and maintain strong relationships with business banking clients to understand their financial needs and provide customized banking solutions.
- Identify and acquire new business clients by leveraging market insights and networking within the local business community.
- Conduct comprehensive credit assessments and risk analysis to ensure compliance with the bank’s lending policies and regulatory requirements.
- Collaborate with internal teams to structure and deliver appropriate financial products including loans, cash management, and trade finance services.
- Monitor client portfolios regularly to identify opportunities for cross-selling and upselling additional banking products and services.
- Ensure timely resolution of client queries and issues, maintaining high levels of customer satisfaction and retention.
- Prepare detailed business proposals, credit applications, and presentations for senior management and credit committees.
- Stay updated on industry trends, competitor activities, and regulatory changes to proactively advise clients and adjust strategies accordingly.
- Achieve assigned sales targets and contribute to the overall growth objectives of the business banking division.
- Maintain accurate records of client interactions, transactions, and compliance documentation in accordance with bank policies.
- Business Banking Relationship Management
- Credit Risk Assessment
- Financial Analysis and Reporting
- Loan Structuring and Documentation
- Client Acquisition and Retention
- Regulatory Compliance and Risk Management
- Cross-Selling and Upselling Techniques
- Negotiation and Communication Skills
- Market Research and Competitive Analysis
- CRM and Banking Software Proficiency
- Portfolio Management
- Customer Service Excellence
- Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum of 5 years of experience in business banking or corporate relationship management within the financial services industry.
- Proven track record of managing and growing a portfolio of SME clients with a strong understanding of credit risk and financial analysis.
- In-depth knowledge of banking products, regulatory frameworks, and compliance standards relevant to business banking.
- Excellent communication, negotiation, and interpersonal skills with the ability to influence decision-making at various organizational levels.
- Proficiency in CRM software and banking systems to manage client data and sales pipelines effectively.
- Strong analytical and problem-solving abilities with attention to detail and accuracy.
Required Competencies: #*Required Competencies*#
Required Knowledge: #*Required Knowledge*#
Required Skills: #*Required Skills*#
Required Abilities
- Physical: #*Physical*#
- Other: #*Other*#
Specific Requirements
- Travel: #*Travel*#
- Vehicle: #*Vehicle*#
- Work Permit: #*Work Permit*#
- Pay Rate: #*Pay Rate*#
- Contract Types: #*Contract Types*#
- Time Constraints: #*Time Constraints*#
- Compliance Related: #*Compliance Related*#
- Union Affiliation: #*Union Affiliation*#