Relationship Manager, Wholesale Banking Group
ICICI Bank
About the Role
As a Relationship Manager in the Wholesale Banking Group, you will be responsible for providing comprehensive banking solutions to corporate customers. This role involves credit appraisal, financial analysis, client servicing, writing of credit notes, end-to-end execution of banking transactions, documentation, and covenant management. You will work under the guidance of a Senior Relationship Manager/Regional Head, focusing on 360-degree banking and identifying opportunities across the customer ecosystem by offering banking products and services across various customer segments. The principle of being "Fair to Customer, Fair to Bank" is central to this responsibility. You will be responsible for generating new business leads and deepening relationships with existing customers.
Key Responsibilities
- 360° Credit Assessment: Understand client's business and financials in detail and prepare a quality appraisal note in collaboration with the Risk Management team.
- Business Development: Engage in market scoping, segmenting, and targeting to acquire new clients as per the bank's risk appetite and drive ecosystem revenue. This includes engaging with banks, brokers, corporates, law firms, trade associations, chambers of commerce, and attending events, seminars, and trade fairs.
- Collaboration: Work in synergy with different internal teams of the Bank to deliver the right solutions to the customer.
- Portfolio Management: Manage a high-quality portfolio of corporate clients, generating new business leads and deepening relationships with existing customers.
- Customer Service: Create service excellence by partnering with customers throughout their lifecycle, offering suitable products and services based on their financial needs, while being fair to the customer and the bank.
Requirements & Tech Stack
- Credit Appraisal
- Financial Analysis
- Client Servicing
- Credit Notes
- Banking Transactions
- Documentation
- Covenant Management
- Business Development
- Portfolio Management
- Risk Management
- Communication Skills: Ability to tailor conversations (both verbal & written) around customer needs with a focus on service delivery.
- Financial Understanding: Understanding of financial analysis, balance sheets, profit & loss accounts, and cash flow statements.
- Basic Banking Products
Qualifications
- Graduates with 3-6 years of work experience.
- MBA/Chartered Accountants (CAs) with 1-5 years of work experience in relationship management across industries.
- Professionals from across industries are welcome. Prior banking experience is not mandatory, as training programs are provided.
About the Business Group
The Wholesale Banking Group manages a wide range of clients, including large private sector business houses, companies, financial institutions, banks, public sector undertakings, Central and State government entities, Multi-National Corporations (MNCs), real estate companies, IT & ITES, new-age services companies, and financial sponsors, with a special focus on private equity funds and their investee companies. The group also caters to capital market and custody participants through digital solutions.