About Wholesale Banking Coverage Group (WBCG)
The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oil and Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities
AbouttheRole
The Associate Relationship Manager is responsible for scoping of the area sales and operations and implementing strategies to increase productivity and performance levels in order to achieve the Circle's financial targets. They are responsible for ensuring the smooth functioning of the daily operations and compliance with the rules and regulations set as per banking norms for Government clients/ Departments. The role involves relationship management with the key account holders of the Bank to ensure deepening of accounts and thus generating revenue.
They are also responsible for analyzing the risk profile of the companies in the respective industries and ensure preparation of conclusive credit proposals and detection of potential risk triggers. The credit analysts also interact with the companies to keep an update on the developments in the sector and its impact on company.
Key Responsibilities
Analyze the financial and business risk profile of companies, assign Credit rating and prepare conclusive and focused credit proposals
Monitor and update on key trends, challenges in the sectors, economic developments as well as financial parameters of clients to detect potential risk triggers
Provide quality analysis compliant with RBI guidelines, legal and other internal compliances that leads to a sound decision making
Ensure NPA /restructuring levels for the group are minimized
Source current customers to generate revenue for fund Based and non-fund based