Director- Coverage - Commercial Banking

JOB PURPOSE:

To manage and grow a portfolio of profitable borrowing and non-borrowing customer base including Trade & Working capital customers in defined geographical markets in pursuit of specific sales, service, growth and opportunity targets.

KEY ACCOUNTABILITIES:

• Responsible for Identifying, originating & delivering business across all products in the identified target segment.
• Maintains active prospecting effort and pipeline for achieve core financial objectives.
• Responsible for delivery against assigned financial revenue and balance sheet targets.
• Fulfil customer s requirements and manage the overall relationship, ensuring quality of service.
  
• Responsible for ultimate commercial decision on client to optimize wallet share and returns.
• Responsible for maximizing Share of Wallet (SOW) at client level across the managed portfolio.
• Responsible for maintaining the pipeline, making sure the information is complete and accurate, updated and all identified opportunities are included.
• Sponsor Credit proposals for Borrowing customers.
• Responsible for Credit analysis, onboarding and monitoring support for acquisition and management of borrowing customer portfolio with need-based assistance from assigned Assistant Relationship Managers.
• Responsible for Monitor compliance with approved terms.
• Responsible for service recovery tasks and resolution of escalated customer transactions for breach of TAT and exceptions allowed under Operational Delegation.
• Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.
• Demonstrate compliance to organization s values and ethics at all times to support the establishment of a value drive culture within the bank.

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• Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.

Job Context

• Serve as the key banking advisor for borrowing and non-borrowing customers in identified target segment.
• Accountable for prospecting new business and to expand existing relationships.
• Engages in dialogue with CEO and CFO levels of clients to assess holistic banking needs and provide customized banking insights and solutions.
• Responsible for leading, directing and coordinating with internal partners in analysis and execution for the effective delivery of benefiting products and services to clients and prospects.
• Ability to identify loan, deposit, and core banking products and services that benefit the client.
• May provide work leadership by assigning work and resolving problems.