Relationship Manager at Standard Chartered Bank

• Identify prospect and convert in line with Bank’s appetite.
• Ensure quality of the sales pitch and lead them with the clients. Also review the Term sheets before delivering to clients.
• Work with Credit Analyst and obtain all pre-deal clearances.
• Effectively use CRM for managing a healthy pipeline and also a record of client calls and discussions.
• Oversee ARM to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
• Senior client calling and briefing on a regular basis for account maintenance and deal negotiation. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues.

Client on-boarding & deal execution

• Work closely with CA, product partners and analyze a) wallet size b) determine appropriateness of the product and c) work out a comprehensive account plan.
• Successfully negotiate and close out pricing and other deal dynamics with client
• Oversee the quality & turnaround of credit proposal and ensure faster delivery. Work with CA for resolving Credit queries.
• Oversee the ARM to ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
• Liaising with Legal/external counsel/Credit Risk Control in preparation and execution of non standard complex transactions along with product partners.
• Work with Client Due Dilligence team to ensure proper completion of eCDDs.

Account Management & portfolio quality

• Along with the product partner, push for line utilization of complex and structured transactions. Oversee the ARM in ensuring high utilization of regular WC facilities.
• Review Failed Trade status, EAR, ASTAR CCRT, etc with the CA to ensure discipline and quality in portfolio
• Review the excess/past due situation with ARM to ensure they are regularized and also facilitate approvals wherever required.
• Review and monitor the client profitability to ensure there are no revenue leakages.
• Attend various internal or external sales/ non sales meetings like CIC, stakeholders Meeting, Portfolio Review Meeting.
• Maintain record of Confidentiality Agreement (Sales Team Leader to maintain file & copies will also be held by signatories to the agreement)
• Overall responsible and accountable for the credit quality of the assigned/acquired portfolio.