Job Description
Role/Job Title: Associate Relationship Manager-NBFC
Function/ Department: Wholesale Banking
Job Purpose
Prepare credit proposals to support credit committee decisions regarding the client’s portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc of the proposed financing.
Roles & Responsibilities
• Performing credit appraisal of NBFC & NBFC-MFI clients through analysing factors such as AUM growth, Portfolio quality & performance, Portfolio growth Management quality, CAR, balance sheet analysis etc
• Preparation of credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the client’s portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc of the proposed financing. Liaison with Credit Risk, Compliance to get the credit memo approved internally.
• Handling Early Warning Signal meetings with appropriate responses for each observation, ensuring overall portfolio hygiene
• Assisting Relationship Managers & Senior Relationship Managers on client’s meetings, internal presentations, and MIS
• Loan disbursement & documentation function; liaison with legal, compliance, audit observations aspects of the proposals
• Visiting clients to improve business relationship with them.
• Proactively understanding & assisting RMs/ SRMs in preparation of business/account plans, target client identification.
• Centre & Branch visits for NBFC/MFIs, regularly interacting with clients, external rating analysts and maintaining call reports.
• Analysing quarterly financial performance, Receivable Audit and highlighting trends and deviations in collections & overall portfolio quality periodically
Educational Qualification
Graduation: Any Graduation
Post-graduation: Any Post-graduation
Professional Qualification/Certification: Chartered Accountant (CA)
Experience: 0-2 years of experience
Function/ Department: Wholesale Banking
Job Purpose
Prepare credit proposals to support credit committee decisions regarding the client’s portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc of the proposed financing.
Roles & Responsibilities
• Performing credit appraisal of NBFC & NBFC-MFI clients through analysing factors such as AUM growth, Portfolio quality & performance, Portfolio growth Management quality, CAR, balance sheet analysis etc
• Preparation of credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the client’s portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc of the proposed financing. Liaison with Credit Risk, Compliance to get the credit memo approved internally.
• Handling Early Warning Signal meetings with appropriate responses for each observation, ensuring overall portfolio hygiene
• Assisting Relationship Managers & Senior Relationship Managers on client’s meetings, internal presentations, and MIS
• Loan disbursement & documentation function; liaison with legal, compliance, audit observations aspects of the proposals
• Visiting clients to improve business relationship with them.
• Proactively understanding & assisting RMs/ SRMs in preparation of business/account plans, target client identification.
• Centre & Branch visits for NBFC/MFIs, regularly interacting with clients, external rating analysts and maintaining call reports.
• Analysing quarterly financial performance, Receivable Audit and highlighting trends and deviations in collections & overall portfolio quality periodically
Educational Qualification
Graduation: Any Graduation
Post-graduation: Any Post-graduation
Professional Qualification/Certification: Chartered Accountant (CA)
Experience: 0-2 years of experience
💡 Quick Summary
Seeking a career-building opportunity? The Associate Relationship Manager|NBFC position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
