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

Skills Required

Data Management, Operational Efficiency, credit appraisals