Job Description

New Business Prospects:

Originate new business prospects within the SME sector through direct sourcing and open market channels.

Customer Acquisition:

Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.

Business Generation:

Meet existing SME clients to identify business opportunities and drive revenue.

Working Capital Facilities:

Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs.

Customer Relationship Management:

Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients.

Cross-Selling:

Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.

Credit Risk Assessment:

Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions.

Financial Analysis

Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals.

Credit Structuring:

Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients.

Compliance and Regulations:

Ensure compliance with all relevant regulatory requirements and internal policies. * Stay updated on changes in regulations affecting SME banking.