Relationship Officer - SME

This job role is to manage & support RM / SRM for overall relationship of the top tier customers which includes Trade, financing, deposit & financial needs.

Structuring of credit limits in line with client needs and coverage of exposure from adequate securities. In addition, ensuring CLP in FOAS to be error free and conceptual covering all the necessary details. Minimum resubmissions of FOAS for corrections. Making best efforts for minimal queries from Credit Risk. Responding to queries from credit risk department maximum by next day. Parallel approval of shariah process flow along with CLP and ensuring compliance of shariah directives. Zero Exceptions in CAD generated fortnightly report Submission of renewal CLP 2 months before expiry.

Zero overdue in customer accounts. Timely conversion of advances into financing and realization of income as per process flow Ensure 100% Clean DAC issuance for all the clients Ensuring Scrutiny of transactions with reference to proper utilization of funds. At least 2 physical calls per customer in a week Submission of call report on the same day to Area Manager & Head SME Banking Ensuring market check of all existing Assets based customers though supply chain at least once a month. Submission of findings through email to Area Manager & Head SME Banking. Customer complaints to be resolved as within 3 working days .

Ensure that Banks or Regulators instructions are not breached in Trade based money laundering, Prudential regulation and bank’s credit policy. Resolve Audit exceptions within 15 days of being highlighted. Updated MIS for customer wise maturity profile of all extended credit products. The MIS shall help in customer follow up for timely adjustment of transactions and no overdue in accounts. Ensure to maintain all asset based & trade based documentations for audit trail

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