Take over of the portfolio from acquisition team and enhance the portfolio based on customer requirement
Complete renewal of the account , Call Memo, Site and plant visit . Ensure customer submits the stock statement on time
Ensure that the limits are utilized by the customer
Ensure regularization of delinquent accounts
Review and exit of stressed accounts
Ensure cross sell of liability and other asset products to
Ensure fee income growth by increasing the NFB Limits , FX and insurance sales
Interaction with the credit and ops team for sanction of renewals and limit updation
Complete ownership of a portfolio of between app. 35 productive accounts. The number of accounts managed may vary depending upon asset size of the portfolio, geography covered, operational intensity and branches mapped to the RM. He is bank’s face to the customer
Responsible for the growth of the portfolio (organic and inorganic), ensuring targets are met and there is availability of an increased revenue stream
Credit Management & Housekeeping: Primarily includes CAM preparations and timely renewals, obtaining and closing deferrals, plant and site visits and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance. TOD management.
Ensuring the quality of Portfolio: Be on the lookout for stress signs in the client operations / activity and address them
Documentation Pre-sanction and post sanction
Customer negotiation on rates and other terms
Updating LTS and conversion of leads
Regular Branch interaction
Daily servicing of customer
Call Memo preparation
Site visit / plant /property visitation
Supporting RMs for the above activities for their accounts

Requirements

Should have prior knowledge of working capital products
B com graduate /MBA finance/CA
Should be willing to travel and coordinate with outstation location executives for completion of documentation
Excellent communication and interpersonal skills
Atleast 2 years experience in customer service ( with field visit)
Experience in working capital ( CC Limits etc) candidates having knowlege of mortgages and financials Products,Good Managerial Skills
At least 2 year of working experience in the related field is required for this position
Candidate must possess at least a Master in Business Admin/Post Graduate Diploma in Business Administration/Post Graduate Program in Management or Chartered Accountancy in Marketing or equivalent
HDFC Bank - 9 months ago