Relationship Manager - Wholesale Banking

ICICI Bank; India; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

ICICI Bank is seeking a Relationship Manager for Wholesale Banking to drive credit appraisal, financial analysis, and client servicing. The role entails end-to-end banking transactions, covenant management, and cross-functional collaboration to deliver value across client ecosystems.

You will identify banking opportunities, develop new business, and deepen existing relationships while maintaining fair dealing with customers and the bank.

Qualifications

• MBA/CA/Graduate candidates with relevant relationship management exposure across industries.
• Strong communication and client-servicing skills are essential.
• Solid understanding of financial statements and banking products required.

Responsibilities

• 360 Degree credit assessment and quality appraisal notes with Risk Management.</br>Drive new client acquisition and deepen relationships to generate ecosystem revenue.
• Collaborate with internal teams to deliver tailored banking solutions.
• Portfolio management of corporate clients with focus on high-quality assets.
• Support customers throughout their lifecycle with fair practices for the bank and client.
• Generate and nurture business leads and participate in industry events and networks.

Skills

Credit assessment

Business development

Portfolio management

Customer service

Collaboration

Communication skills

Financial analysis

Education

MBA

CA

Graduate

Job description

Essential Services: Role & Location fungibility

The role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service.

About the role

ICICI Bank provides comprehensive banking solutions to corporate customers. As a Relationship Manager of Wholesale Banking, you will be responsible for credit appraisal, financial analysis, client servicing, writing of credit notes, end-to-end executive of banking transactions, documentation, and covenant management. In this role, you work under the guidance of a Senior Relationship Manager/ Regional Head. While serving customers, you will be responsible for 360-degree banking and looking for banking opportunities across the customer ecosystem. This will involve offering banking products and services across the customer segments of the Bank. In your responsibility, you also hold the principle of being Fair to Customer, Fair to Bank. You will be responsible for generating new business leads as well as deepening relationships with existing customers.

Bankable individuals not just Bankers: We hire from across industries!

We at ICICI Bank are in continuous pursuit of creating consistent customer delight and superior experience. Our Relationship Managers are empowered individuals who champion the cause of customer experience and have penchant for building and nurturing business relationships. If you are an individual, whose heart echoes with our aspiration, look no more. We do not just choose diverse minds but celebrate their success. If you are a bankable individual without banking experience, you are very much welcome, irrespective of your present core responsibilities or the industry associated. Our training programs equip you to get ready for the role of a Relationship Manager. Professionals from across industries are welcome to apply for the role of Relationship Manager.

Key Responsibilities

• 360 Credit Assessment: Understand in detail the clients business and financials and prepare a quality appraisal note in collaboration with the Risk Management team.
• Business Development: Market scoping, segmenting and targeting to acquire new clients as per the risk appetite of the bank and drive ecosystem revenue o The RM for the purpose of business origination, will engage with banks, brokers, corporates, law firms, trade associations, chamber of commerce as well as attend events, participate in seminars, and trade fairs.
• Collaboration: Work in synergy with different internal teams of the Bank in order to deliver the right solutions to the customer. Collaborative working is key in this role.
• Portfolio Management: Manage a high-quality portfolio of corporate clients. Work towards generating new business leads as well as deepening relationships with existing customers.
• Customer Service: Create service excellence by partnering with customers through their life cycle and offer suitable products and services based on their financial needs while being fair to the customer and fair to the bank in all engagements.

Key Qualifications & Skills

• Educational Qualification: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of relationship management across industries
• Communication skills: Ability to tailor conversations (both verbal & written) arounds the need of customer with utmost focus on service delivery.
• Financial Understanding: Understanding of the intricacies of financial analysis, the balance sheet, profit & loss accounts and cash flow statements. Knowledge of basic banking products.

About the Business group

TheBank's wholesale banking group manages a wide range of clients, which includes large private sector business houses and companies, financial institutions and banks, public sector undertakings, and Central and State government entities. The group also has a strong franchise among Multi-National Corporations (MNCs), real estate companies, IT & ITES, and new-age services companies, along with a strong franchise in the financial sponsor's space with a special focus on private equity funds and their investee companies. Additionally, it also caters to the requirements of the capital market and custody participants through unique digital solutions, improving their operational efficiency.