Last Date for Apply 31-03-2016
The Bank is an Equal Opportunity Employer, however, females are being encouraged to improve workforce diversity.
Core Responsibilities Include:
RM Assets develops and manages asset portfolio to achieve growth in funded/non-funded advances and closely monitors existing borrowing relationship to ensure risk and yield criteria are being met.
They develop plans for business growth and enhance business opportunities with existing and potential borrowers.
They are responsible for marketing of bank’s credit as other products (cross selling) to existing as well as potential customers. They ensure timely preparation of proposal and memorandum with thorough analysis of borrower’s financial statements.
The primary responsibility is to solicit new business i.e. addition of quality names to build up sound asset base with focus on segments as identified/defined from time to time with consistent performance.
Job requires to analyze financial statements and assets in the preparation of credit packages and prepare credit proposal (fresh booking, yearly renewals, enhancements) of credit facilities in a timely manner and utilize the available information in processing comprehensive credit proposals for consideration & approval by the concerned authorities.
In addition, it is required to develop existing portfolio with a view to enhance earnings / improve Return On Assets and promote cross-selling of products and services.
The job requires to gather & analyze credit information of current and potential borrowers and determine the advisability of granting credit for diversified types of loans.
It must be ensured that there are no discrepancies in documentation of various customer accounts as pointed out by CAD and that credit files are properly kept and are updated with latest record regularly.
It is important to keep an eye on transactions/ financial conditions/ operations of allocated customers & report any anomalies that may affect bank’s risk in future.
Hub Manager’s responsibility is to supervise/perform marketing & business development activities to achieve allocated targets. They should be able to conduct in depth analysis of: financial & market position, security/collateral, technical capability of the borrower and calculation of risk rating, as and when required. Hub Managers increase and maintain credit portfolio and identify customer’s credit worth. They are responsible for processing of Credit Proposals to ascertain the Risk element associated with financing, calculation of Working Capital Requirements on the basis of financials, account behavior and production capacity. Hub Managers ensure that the credit/ lending functions are managed in line with the Bank’s laid down credit policies & procedures and is in compliance with all regulatory requirements.
They analyze industry / business segment and closely monitor industry trends & economic changes effecting clients’ position & pass on information to the team members and keep the line manager informed / abreast of such developments.
They maintained close liaison between hub teams & CAD with respect to maintenance of record & documents, allowance/alteration of allowed limits.
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