Commercial Relationship Manager - Banking (3-7 yrs)

About Commercial Banking Group (CBG):

- The Commercial Banking Group is dedicated to empowering businesses with a turnover ranging from Rs. 10 Crores to Rs. 250 Crores.

- We provide a comprehensive suite of financial solutions, including forex, trade finance, payments, cash management, tax payments, and retail offerings like salary accounts, trust services, forex cards, commercial cards, and credit cards.

About the Role:

- As a Commercial Relationship Manager, you will play a pivotal role in driving business growth and fostering strong client relationships.

Your primary responsibilities will include:

Key Responsibilities:

Business Development:

- Identify and cultivate potential business opportunities within designated territories.

- Leverage internal and external channels to generate high-quality leads.

- Develop and execute strategic plans to increase market penetration and customer acquisition.

Customer Relationship Management:

- Build and maintain strong relationships with existing and potential clients.

- Understand clients' evolving needs and proactively offer tailored solutions.

- Provide exceptional customer service and timely resolution of queries.

Credit and Risk Management:

- Conduct thorough credit assessments and risk evaluations.

- Ensure compliance with regulatory guidelines and internal policies.

- Monitor portfolio performance and take timely action to mitigate risks.

Post-Sanction Activities:

- Coordinate with relevant teams to facilitate smooth disbursement and account opening processes.

- Ensure timely completion of post-sanction formalities, including documentation and compliance checks.

Product Cross-Selling:

- Identify opportunities to cross-sell relevant products and services to enhance customer value.

- Actively promote and educate clients on the benefits of our offerings.

Portfolio Management:

- Monitor the health of the assigned portfolio and take proactive measures to address potential issues.

- Implement effective strategies to reduce delinquency and minimize losses.

Regulatory Compliance:

- Stay updated on regulatory changes and ensure adherence to all applicable laws and regulations.

- Maintain accurate and up-to-date records.

Qualifications:

- Graduation or Post-Graduation from a recognized institution.

- Proven track record in sales and relationship management, preferably in the banking or financial services industry.

- Strong understanding of commercial banking products and services.

- Excellent communication and interpersonal skills.

- Proficiency in financial analysis and risk assessment.

- Strong negotiation and problem-solving abilities.

- Self-motivated and results-oriented