WBO:WBC Head

Axis Bank; SPSR Nellore district; On-site; INR 12,00,000 - 16,00,000; Full time

Job summary

A prominent banking institution in India is seeking an experienced professional to manage their Corporate Banking Branch. Responsibilities include supervising branch operations, leading credit activities, and ensuring excellent customer service. The ideal candidate will have 12-15 years of relevant experience and a strong understanding of banking products and regulations. This role demands good communication skills in English and the local language, along with the ability to manage complex client situations and meet tight deadlines.

Qualifications

• 12-15 years in a relevant role
• Experience in a banking or financial services environment.

Responsibilities

• Supervise the Corporate Banking Branch functions.
• Lead a team handling credit-related activities.
• Ensure high levels of customer service.
• Conduct analysis and reviews of required reports.
• Coordinate with clients for disbursement requirements.

Skills

Knowledge of banking products and services

Knowledge of regulatory guidelines and norms

Good communication skills in English and local language

Ability to manage complex client situations

Ability to manage risk and uncertainty

Ability to handle pressure and meet deadlines

Education

Graduation/Post-Graduation from a recognized institute

Job description

Key Responsibilities

• Overall supervision of the Corporate Banking Branch
• Responsible for the smooth functioning of a CBB
• Leading a team of officials carrying out credit related specialised activities in the cadre of AM to VP
• Maintaining highest level of customer service (both internal and external customers)
• Liaisoning with Business teams (CBG, WBCG), Audit, Legal, etc
• Responsible for effective functioning of the CBO Operating unit by ensuring timely disbursement and customer service
• Responsible for pending security creation
• Achievement of overall TxB Fee Income Budget Achievement
• Achievement of SME Topline Budget Achievement

Operational Responsibilities

• Service Relationship Managers in the cadre of Manager to DVP who directly report to CBB Head
• Credit Delivery Officials and Credit Monitoring Officials in the cadre of AM to DVP who reports to Head Credit Admin (VP/DVP) who in turn reports to CBB Head
• Obtention of Stock Statements, Insurance Policies, ABS, FFR, Stock Audit Reports, LIE/Project Progress Report
• Undertaking analysis of ABS, FFR, Stock Audit Reports, LIE/Project Progress Report analysis/reviews
• Conduct of unit inspection
• Acting as an interface to the client and ensure efficient customer service
• Interact with the Borrower to obtain pre-requisites for disbursement and ensure timely disbursement
• Follow up for perfection of security
• Monitoring and tracking of high value transactions in the accounts; Monitor transactions in ESCROW/TRA account
• Recovery of interest and instalments on due dates
• Recovery of penal interest
• Maintaining records for unit & collateral inspections and triggering list of inspections due
• Track receipt of due diligence reports
• Trigger stock audit, revaluation
• Handle ECGC: Pay premium to ECGC at monthly intervals and intimate renewal to ECGC
• Recovery of charges as per Banks schedule of charges
• Process applications received for vendor empanelment
• Tracking Export Order for packing credit disbursement
• Stressed Assets Management and handling of income reversal transactions
• Scrutiny of Sanction and preparation of Facility/Mortgage documents Incase of take over, seek credit opinion report from transferror bank
• Scrutiny of Executed Documents and Security creation
• Ensuring compliance of sanction covenants
• Provide documentation certificate and KYC confirmation to OCL loans for opening of accounts
• In case of multiple/consortium banking, Co-ordinate with other lenders for issuance of Pari-Passu/NOCs
• Arrange to file charge with Registrar of Companies, obtain confirmation, conduct search post filing of charge, obtain the report for records
• Compliance of pre disbursement covenants
• Recovery of fees as stipulated in sanction and as per Banks schedule of charges
• Accord credit approval for TF transactions
• Effecting disbursement
• Prepare AOD on renewal of limits and get executed through SRM and keep executed AODs in safe custody
• Finacle updation at various stages
• Handle credit/concurrent audit and arrange for compliance of adverse observation
• Conduct legal audit and prevent income leakage
• TAT Maintenance & Adherence to SLA
• Limit Node Maintenance & ROI Updation

Qualifications & Proficiencies

Graduation/Post-Graduation from a recognized institute

• 12-15 years in a relevant role
• Role Proficiencies
• Knowledge of banking products and services
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language
• Ability to manage complex client situations
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
• Ability to handle pressure and meet deadlines