Account Manager, Business Banking

Manage a set of existing Small Enterprise (SE) relationships and originating new SE relationships in business communities To achieve assigned financial and non financial objectives by meeting all borrowing & non borrowing needs of customers with target segments (Viz. borrowers, transactors, depositors).

Actively source new-to-bank customers and generate new business from walk-in customers.

Manage all customers focusing on relationship Management & up-selling/ deep-selling/ cross selling other bank products.

Responsible for quality & soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures etc).

• Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling complete range of banking products.

• Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.

• Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.

• Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.

• Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.

• Maintain acceptable portfolio quality.

• Screen the market for NTB opportunities.

• Liaise between internal and external advisors to ensure precision of agreements.

• Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.

• Achieve assigned financial and non financial targets.

• Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.

• Update branch manager and regional SE manager on regular / weekly for better controls on sales and relationship management.

• Banking Sales & service experience with proven relationship management qualities.

• Requires advanced vocational knowhow of the subject matter (viz. Credit, Trade, Operating system, etc)

• Excellent communication and negotiation skills.

• At least 3 years + relevant banking experience in local or international market

• MBA/CA or if a regular graduate needs to possess adequate relevant experience.

• Positive attitude, strong work ethic and a good team player.