Relationship Manager
Noor Bank
Total years of experience :15 years, 7 Months
• Identification of trade finance business clients and conducting marketing calls.
• Source new Corporate relationship with trade finance requirements
• Visit customers to enhance the relationship in order to maximize the utilization of the Bank's non-fund based credit facilities, services and products including cross selling of products.
• Actively tracking the commercial trade flows and identifying new opportunities.
• Provide active advisory services to clients for their trade finance business and be able to offer value added services
• Manages client relationships in trade finance, and liaises at senior levels including owners, finance managers.
• Take lead in the development of new products in trade finance area as per customer/market requirements.
• Responsible for achievement of targeted revenue and volumes from trade finance business
• Attend to customer requests promptly.
• Compliance of internal policies and procedures.
• Spread financial statements and analyze the financial ratios to understand the business trends for determining trade finance requirements of the client.
• Monitor compliance with covenants for existing relationship at regular intervals and interact with the customers on regular basis to ensure compliance of the same.
• Regular interaction with Credit for approval of working capital facilities and day to day
- Fund Management
• Forecast cash flow position and ensure availability of funds to meet those requirements.
• Bank Facility utilization forecasting & timely settlements of bank outstanding.
• Maintain banking relationship and ensure smooth relationship with Banks
• Acquiring working capital facilities and term finance from banks and NBFCs.
• Negotiate better terms with existing banks and reduce finance cost to the company.
• Manage overall treasury of the company and ensure best utilization of available funds.
- Financial Analysis
• Engage in ongoing cost reduction analyses in all areas of the company.
• Interpret the company's financial results to management and recommend improvement activities.
• Review company bottlenecks and recommend changes to improve the overall level of company throughput
• Assist in the determination of product pricing in relation to features offered and competitor pricing.
- Additional Functions
• Oversee entire finance department including Payables, Receivables, Payroll, etc.
• Preparing and analyzing monthly and quarterly financial reports and conducting presentations.
• Member of pricing committee and leadership team and involved in strategic decision making of the company.
• Understand the client working capital requirement vis a vis the viability of their business model through client visits and telephonic interaction.
• Spread financial statements and analyze the financial ratios to understand the business trends for new to bank and existing clients (renewals).
• Analyze bank statements and other supporting documents to ensure consistency with the information provided by the client.
• Analyze bank facility letters from other banks in order to understand the client’s current requirements, collateral, pricing and other security conditions.
• Develop scorecard based on the information provided and determine the eligibility of the client. Propose a tentative facility structure to the client by liaising with the RM.
• Obtain trade checks from suppliers/customers/competitors in order to understand the genuinity of the client and their market reputation.
• Prepare a credit proposal stating the client’s business model with detailed analysis of financial statement for approving authorities.
• Monitor compliance with covenants for existing relationship at regular intervals and interact with the customers on regular basis to ensure compliance of the same.
• Supporting activities like Party Approvals, Temporary Excess Request, One-off approvals, interim requests from the client including margin reduction, interest rate increase/reduction, etc.
• Generate new business opportunities for the unit by identifying new clients from various customer/supplier interactions
Undertaking risk assessment analysis of various types of lending proposals related to trade finance.
Analysing financial information, such as statements, management accounts and cash flow statements.
Developing models of credit information to predict patterns and trends.
Assessing the credit worthiness of client companies.
Worked as an Investment Advisor in the family business mainly into Forex Trading (with FXCM), Commodities and Equity Trading. Experience in Forex, Equity (BSE & NSE), Commodities (MCX, NCDEX & NSEL), Mutual Fund, Insurance, etc.
Skills acquired in the job: Technical analysis of chart patters, reading and analyzing market news and commentary to understand various factors that affect the economy, understanding business and industry trends, guiding investors in profitable investment avenues based on risk and reward expectations, etc.
Since August 2008-Sept 2009: ANSR Source India Pvt. Ltd., Bangalore as Associate Quality Analyst
Job Responsibilities: (in ANSR Source)
• Accuracy checking for various Finance and Account titles for publications like McGraw Hill, Cengage, etc
• Creating Test banks, Online Learning Curves, Instructor Manuals and Power Point Presentations.
• Page Proofing for Taxation and Auditing projects.
• Training and Motivating team members
• Quality checking and reviewing the reports