Job Requirements
Role/ Job Title: Associate Relationship Manager Commercial Banking
Function/ Department: Commercial Banking
Job Purpose
Support the Relationship Manager in acquiring and activating clients, driving book growth and fee income, and crossselling transaction banking products (CMS, Trade Services) and treasury/FX solutions, while ensuring flawless execution, documentation, and risk/compliance hygiene across the portfolio. Coordinate with product, credit, legal, and operations teams to deliver timely solutions, superior client service, and robust MIS/reporting.
Roles & Responsibilities
- Client Support
- Assist in preparing client proposals, credit appraisals, and documentation.
- Act as a secondary point of contact for clients, ensuring timely responses to queries.
- Revenue Generation:
- Pro-actively assist RMs in meeting balance sheet numbers and income targets from interest and fee-based products.
- Track opportunity pipelines; and account activation (utilization, first drawdown, wallet rampup)
- Operational Efficiency:
- Ensure smooth execution of transactions, including disbursements, amendments, etc.
- Coordinate with internal teams to resolve operational bottlenecks.
- Risk and Data Management:
- Complete CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts
- Maintain accurate and up-to-date client records, including financial statements and transaction history.
- Generate reports for RM and management review.
- Cross-Selling Support:
- Identify opportunities for cross-selling products like treasury services, cash management services, forex services, etc.
- Support RM in achieving cross-sell targets
- Maintain CRM hygienelog interactions, update opportunities/next actions, and ensure periodic reviews are current
- Prepare meeting notes/minutes and action trackers; follow through to closure.
- Support audits/compliance reviews; close observations within timelines.
- Curate sector/competitor intel and pricing benchmarks; contribute to campaigns/AOP inputs.
- Provide backup coverage for RM during leave/travel to ensure service continuity.
Education Qualification
Graduation: Any graduate
Post-graduation: Any post- graduate
Experience: 2 to 5 years of relevant experience
