:
Circle Head
INTERNAL USAGE:
No. of Vacancies: 6 Reports to: Geography Head
Is a Team leader? Y Team Size: 8-10 Centre Head /CSM
Grade: DVP / VP
Business: CBG Department: SEG Sub-Department:
Location: Pan India
About
The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc
About the Role
The Commercial Banking Circle Head, leads a team of Centr head and CSMs responsible for driving the commercial banking business (Asset and Liab) for the Circle. The Commercial Banking business focuses on Asset and Liabilities requirement of the clients \xe2\x80\x93 mainly letters of credit, guarantees, trade loans, etc. along with products such as Trade & Forex solutions & Cash Management Solutions
Key Responsibilities
Develop business relationships with Commercial Banking customers in the area to increase the top line, fee income and net interest income of the Bank
Achieve targets set for individual products like Working Capital (WC), Bank Guarantee (BG), LC (Letter of Credit), OD (Over Draft), DOD (Demand Overdraft), Trade Forex, TOD etc.
Establish and strengthen relations with key customers to enhance credit relationships and generate sustained business.
Identify and convert potential customers who can be sold tailored products to enhance product penetration
Deepen the existing relationships by cross selling liability and asset products to new and existing customers
Maintain a healthy portfolio and monitor the delinquency rates of the portfolio
Ensure optimal limit utilization by the clients
Monitor proposals that come up for renewal be a Part of sanctioning process including LCC
Interact/ Liaise with various other departments to ensure smooth delivery of credit as well as other services
Ensure audit related deliverables, both internal and external are met as per the prescribed norms
Ensure compliance with due processes and guidelines
Create a performance oriented environment leading to high employee motivation and productivity
Ensure that all staffing requirements of the center are met and adequate training is given to the staff on the products of the bank, sales processes and various policies of the ban
Qualifications
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