Specialist- Commercial Banking

Generic Accountability

• KYC & onboarding governance framework ensure a thorough understanding of on-boarding governance framework to onboard as CB & bank s processes/guidelines.
• Ops Risk Management: adhere to SOPs to ensure the processing of customer transactions.
• Compliance Risk Management: Ensure complete understanding & adherence to compliance risk management.
• AML & Transaction monitoring: act immediately on AML alerts to mitigate risks. Further liaise with internal stakeholders to initiate immediate actions.
• Channel migration: educate customers on the key benefits of migrating to channels and further assist to onboard customers on channels.
• Product Knowledge: deep understanding of business banking products to increase cross-sell and hence, revenue per client.
  
• Customer Excellence: Deliver best in class services for Business Banking customers at the Business Banking desks. Ensure that customers are satisfied and are provided the best services
• Complaint Management: Resolve customer issues and queries in a way that reflects and expresses excellent customer service. Ensures timely follow-up and escalation of client issues.
• Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards. Being Team Player & Coordination with RM/Sr RM.

Job Specific Accountabilities / KPIs

Customer Onboarding

• Ensure client onboarding of New to Bank clients for Liabilities Business Accounts and Deposits mobilization.
• Upselling /Cross selling to existing client base by marketing of all products of the bank including Trade unfunded products (100% cash backed proposition).
• Enable i-Banking Online platform channel Migration & Activation for all existing & NTB client base for superior client experience and enhanced revenues.
• Generate Referrals by referring clients to other coverage sales channels & Liability RMs, PB for Revenue generation products viz. TWC, PL Assets, Fx, Investments, Banca, Liabilities, WPS & Retail products.
• Maintain customer documents and files in accordance with bank s policies and procedures. Ensures accuracy of all bank forms and documents executed by the customer.

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  Implement a structured calling program to give effect to the relationship plan pertaining to existing customers.
• Perform ongoing credit risk management and daily monitoring of credit portfolio. Resolve and minimize pending deferrals and limit expiry across borrowing portfolio.
• Timely response to internal and external emails and communications. Responsible for preparing and assisting in business banking customer requirements.
• Gather requisite information and documents for preparation of Credit Applications, Credit Assessment & Approval.
• Pro-actively work to maximize customer satisfaction and requirements of clients. Analyze process issues to streamline the overall customer experience.

Internal Processes

• Adhere to the prescribed Sales & Compliance processes as per Banks policies. Implement governance & controls to proactively identify, manage and minimize/mitigate potential losses to the franchise.
• Ensure strict adherence to Risk Control Assessment RCA process across all areas of Business Banking Department - Selling, Client Onboarding, Recruitment, Training, Performance Management, Human Resources, Fraud Control, Operations, and Client Application & KYC Documentation etc.
• Ensure customer onboarding and various other services to Business Banking customers are managed within current policies and procedures. Any deviations to be backed by requisite approvals.
• Manage service delivery expectations of customers to sustain positive NPS score and minimize NPS detractors in the managed portfolio.
• Receive inbound customer calls redirected to RMs by Branches / Call Center / Client Services and attend till resolution of complaint / query response.
• Monitor transactions in customer accounts are in line with KYC. Ensures timely processing of all customers-initiated transactions to enable increased share of wallet.
• Obtain customer information and reply to AML alerts raised on assigned accounts within timelines co-ordinate for issuance of Liability letter / No Liability letter and subsequent settlement of loan.