Senior Relationship Manager-Bank of Punjab (BOP)

Senior Relationship Manager -Bank of Punjab (BOP)

A senior relationship manager brings a wealth of experience in building and maintaining strong client relationships. This expertise is crucial for managing complex accounts and addressing client needs effectively.

Major Responsibilities

Strengthening and deepening the relationship with existing targeted client and developing new client relationships.
Achievement of all the allocated business targets as mentioned in the KPI.
Providing financial suggestions to existing and prospective clients and selling appropriate bank products and services to the existing and prospective clients.
Preparation and Processing of credit proposals/ renewals relating to assigned relationships in conformity with SBP’s Prudential Regulations and the guidelines provided by HO from time to time.
Carry out financial analysis and credit risk assessment in conformity with Bank’s policy and SBP Prudential Regulations.
Identification of deteriorating credit situations and taking corrective steps in a timely manner.
Completion of all Pre – Post sanction/disbursement formalities including execution of the charge/security/ legal documents with the help of CAD relating to assigned credit relationships to obtain DAC.
Proactive Monitoring of respective portfolio & to ensure no further NPL occur. Early warning signals to be highlighted and strategy to be devised for clients.
Maintaining close liaison with the corporate branches for ensuring prompt and efficient services to the corporate facilities parked in them.
Monitoring compliance of the terms & conditions of the approved credit packages.
Keeping insurance policies, stock reports, valuation reports of assets and audited accounts etc. of the assigned relationships, update.
Ensuring timely recovery of installments/ mark-up/ other bank charges etc.
Ensuring prompt regularization of deferrals within the approved period.
Conducting/ organizing periodical verification of stocks. Conducting periodical business calls to the customers and submission of business call/ visit reports to the Unit Head.
Preparation of MIS statements/ reports as desired by the Senior Management.
Maintenance of credit files as per Bank’s policy.
Rectification of related audit objections.
Cross selling of bank products, Dividend/Cash management mandate, RFD Products, Salary Account, Sponsor Account, Sugar Grower Payment, ATM Installation, Supplier Account etc.