About this role
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.