Senior Account Relationship Manager

Job Description
Job Title Senior Account Relationship Manager
Department Project & Structured Finance
Reporting to Head Power & Structured Finance
Reported by ARM/Credit Analysts / Support Staffi

Main Role (Overall Accountability)
Business development and corporate relationship management within the framework and guidelines of the Bank and CBO.
Principal Accountabilities
o Manage, conduct and develop account relationship with the portfolio of accounts assigned.
o Marketing and mobilisation of new business.
o Carry our due diligence for new business including analysis of financial models, technical details with a focus on power and infrastructure.
o Involve with internal/external lawyers for documentation.
o Manage, administer and monitor utilization of credit facilities in corporate accounts and maintain the quality of risk assets.
o Maintain and conduct periodic review of credit files using various data e.g. financial statements, cash flows and BCSB movement, account statistics, etc. Preparation/ renewal of credit lines, presentation of proposals to appropriate authorities for approval and upon approval advice to the customer/credit administration and other operational units or branch if required.
o Documentation / updating of securities, including security valuations, renewals of insurance policies and ensure safe keeping of security documents.
o Follow up and regularization of past dues, temporary accommodations and excesses over limits.
o Supervision of all procedural work and submission of returns and other data relating to the allocated portfolio.
o Co-ordination of customer activities with different departments of the Bank and cross selling of products and services.
o Regular visits to clients for inspection of business, liaison with owners and to ensure optimum prospect ailment of the business through the Bank's channels.
o Work out solutions for 'SM' and Classified accounts under the portfolio, with a view to monitor and regularize the accounts to prevent further provisions.
o Any other responsibility that may be assigned.

Personnel Specifications

The position requires a thorough understanding and mastery of the skills or attributes of a Relationship Manager.
Computer literate - Word, Excel, Power Point, and Internet.
Good Interpersonal relations and proactive personality.