IndusInd Bank - Associate Relationship Manager - Emerging Local Corporate

Description:
Credit Proposal & Sanctioning:
- Prepare comprehensive and well-structured credit proposals, ensuring accuracy and compliance with internal policies.
- Conduct detailed financial analysis, risk assessment, and due diligence for cases ranging from 250 Cr to 750 Cr.
- Present proposals effectively to credit committees and secure timely approvals from the risk team.
- Demonstrate strong understanding of credit appraisal techniques and regulatory guidelines.
Disbursement Process:
- Manage end-to-end disbursement activities, including legal documentation, property valuation, and adherence to compliance norms.

- Coordinate with internal teams (legal, compliance, operations) to ensure smooth and timely execution of sanctioned facilities.
Portfolio Management:
- Monitor client portfolios on a daily basis to identify early warning signals and mitigate potential risks.
- Track financial performance, covenant compliance, and market developments impacting client businesses.
- Identify and address value-destroying assets proactively.
Business Development:
- Support RM in acquiring new clients and expanding the banks footprint in the ELC segment.
- Deepen the share of wallet by cross-selling products and services to existing clients.
- Maintain strong knowledge of the local market and build relationships with leading SME and corporate clients.
Structuring & Negotiation:

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- Design and structure credit facilities tailored to client needs while aligning with the banks risk appetite and profitability goals.
- Negotiate terms and conditions with clients in synergy with RM to ensure mutually beneficial outcomes.
Required Skills & Competencies:
- Strong expertise in credit analysis, financial modeling, and risk assessment.
- Thorough understanding of disbursement processes, including legal and valuation aspects.
- Excellent presentation and communication skills for committee interactions.
- In-depth knowledge of local market dynamics and key SME players.
- Ability to work collaboratively with RMs and cross-functional teams.
- Proven track record of handling large-ticket credit proposals and achieving business growth.