RM, Business Banking

Employer - DBS Bank
Job title - RM, Business Banking

Job Description
JOB PROFILE

Job Title
Relationship Manager

Job Rank / Grade
Analyst/Associate

Department
SME, India

Section/ Business Area
IBG 4

Job Status
Permanent/ Full Time


Job Purpose

(In a brief, specific one or two-sentence statement, answer the questions: "Why does this position exist?" and "What is it expected to accomplish?")

To acquire and build a well diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to healthy income with an acceptable risk to the bank.
Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.

Key Accountabilities

(List the expected end results or KPIs that the job holder is expected to achieve for this job. Do not list more than 5)


Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy

Ensure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc.

Play an instrumental role in increasing the Profitability of the Branch.

Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL.

Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 –Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio.

Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events.

To comply with the Bank’s process & policies and ensure positive ratings during all Country / Group audits

Job Duties & Responsibilities

(List the principal duties. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity and analysis performed in this position.)


Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team.


Cross Sell of Liability, Trade, Cash and Treasury Product actively.


To achieve the individual Budgeted revenues through all product parameters


Conduct Proper Due diligence while on-boarding New Asset Relationships.


On board clients with a clear account plan highlighting the revenue potential, risks and mitigants.


Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank.


Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client’s business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified.


Thorough monitoring of accounts sourced and keep track on customer’s business and report any early warning signals.


Ensure Timely Renewals of Accounts.

Ensure that the covenants and conditions prescribed by the credit team are consistently met.

Adherence to strict KYC/AML requirements.

MIS to be provided to the central team for further reporting, within the stipulated guidelines.

rm-business, rm-business-jobs-in-india, rm-business-banking
Job Location india
Date Posted 29 Jun 2020
Employer Email --No Email
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