Relationship Management: Establish and actively maintain strong relationships with CMSME customers within the branch’s territory, ensuring high-quality service delivery and client retention.
Asset & Deposit Mobilization: Meet and exceed business targets set for the CMSME portfolio (both loans and deposits) at the branch level.
Business Development & Credit Appraisal: Identify and acquire new CMSME clients, conduct initial credit appraisals, prepare complete credit proposals, and process related documentation for approval.
On-Site Verification: Conduct thorough on-site visits to client businesses/factories to validate applicant financials, assess collateral, and perform rigorous due diligence.
Portfolio Monitoring: Closely monitor the credit quality of the branch's SME portfolio, identify early warning signals of potential default, and drive timely recovery efforts.
Branch Collaboration: Assist the Branch Manager with localized budget preparation, resource planning, and branch-specific business strategies.
Internal Liaison & Compliance: Maintain close communication with head office departments (e.g., Credit Risk Management, Operations) and support the branch in compiling necessary regulatory data and compliance reports.
Age At most 35 years Open to both male and female applicants.Ability to think strategically and make data-driven decisions.Preference for candidates with experience in centralized banking.
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