Business Development - Existing client relationship management
- Generate revenue from relationships by offering various products and services of the Bank
- Scoping of existing client base in portfolio in order to identify new opportunities for the Bank on a continuous basis
- Overall responsibility to maintain good relationship in order to become "first point of call" and also achieve the budgeted revenue from the portfolio
- Regular interactions / meetings with clients to identify potential opportunities for the Bank and offer suitable products and services
- Regular joint calling on Clients along with other Product and Service teams of the Bank to ensure Cross-Sell of products and ensure service delivery as well as create multiple touch points for the client to ensure continuity
- Joint calling along with Credit Team to identify new opportunities as well as potential stress indicators for the Bank and maintain overall health of the portfolio
- Periodic visits to plants and other off-site locations of the Corporates with dual purpose of business development and credit monitoring
Business Development - New client acquisition
- Identify and develop potential customers for the Bank
- Acquiring new relationships, including MNCs, by regular follow-up / meetings with target clients and offering them value-add to induce conversions
- Product penetration & cross sell
- Generate and identify new opportunities by understanding the client's needs and cross-sell suitable products
Increase in wallet share
- Increasing Bank's share in existing products being used by the existing relationship by offering value additions and customizations
Internal processes and Coordination
- Credit appraisal preparation for existing & new corporates, for getting the deals sanctioned
- Understanding and analyzing financial statements for deal structuring and credit decisioning
- Credit monitoring and maintenance for overall health of portfolio
- Coordination with various internal stakeholders to ensure service and product delivery to the Clients in a timely manner
- Responsible for housekeeping in terms of periodic internal memos and deferrals
Knowledge Building and Market Intelligence
- Remaining updated on regulations and internal guidelines concerning Corporate Banking business.
- Sharing of important information / market updates with peers which may impact deal structuring
- Ongoing interaction with Competition and being aware of market practices and competition offerings to Corporates in order to capture new / emerging opportunities
- Taking initiatives beyond normal work/expectations to aid to the overall target for the team
- Generating ideas for increasing business by offering innovative solutions/products