Associate Relationship Manager - Commercial Banking

Job Requirements

Role/ Job Title: Associate Relationship Manager – Commercial Banking

Function/ Department: Commercial Banking

Job Purpose

Support the Relationship Manager in acquiring and activating clients, driving book growth and fee income, and cross‑selling transaction banking products (CMS, Trade Services) and treasury/FX solutions, while ensuring flawless execution, documentation, and risk/compliance hygiene across the portfolio. Coordinate with product, credit, legal, and operations teams to deliver timely solutions, superior client service, and robust MIS/reporting.

Roles & Responsibilities

• Client Support
• Assist in preparing client proposals, credit appraisals, and documentation.
• Act as a secondary point of contact for clients, ensuring timely responses to queries.
• Revenue Generation:
• Pro-actively assist RMs in meeting balance sheet numbers and income targets from interest and fee-based products.
• Track opportunity pipelines; and account activation (utilization, first drawdown, wallet ramp‑up)
• Operational Efficiency:
• Ensure smooth execution of transactions, including disbursements, amendments, etc.
• Coordinate with internal teams to resolve operational bottlenecks.
• Risk and Data Management:
• Complete CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts
• Maintain accurate and up-to-date client records, including financial statements and transaction history.
• Generate reports for RM and management review.
• Cross-Selling Support:
• Identify opportunities for cross-selling products like treasury services, cash management services, forex services, etc.
• Support RM in achieving cross-sell targets
• Maintain CRM hygiene—log interactions, update opportunities/next actions, and ensure periodic reviews are current
• Prepare meeting notes/minutes and action trackers; follow through to closure.
• Support audits/compliance reviews; close observations within timelines.
• Curate sector/competitor intel and pricing benchmarks; contribute to campaigns/AOP inputs.
• Provide back‑up coverage for RM during leave/travel to ensure service continuity.
  
  

Education Qualification

Graduation: Any graduate

Post-graduation: Any post- graduate

Experience: 2 to 5 years of relevant experience