Senior Credit Specialist Business Clients, AS

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Job Description: Job Title: Senior Credit Specialist Business Clients, AS Location: Ahmadabad, India Role Description Branch Banking is the liability business for Deutsche Bank present in 17 locations across India. This carters to a wide variety of population through its distinct channels like Personal banking, Private Banking and Business Banking. The primary objective is to enhance the value of the existing trade account portfolio. What we'll offer you As part of our flexible scheme, here are just some of the benefits that you'll enjoy, Best in class leave policy. Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Business Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements. Work includes: Advising on credit-related client solutions and assessing loans from an income and risk perspective, within the existing credit processes Be responsible for preparing credit submissions for approval, and the independent application for credit authority or approvals, whilst also monitoring credit exposures and/or any credit material deterioration over the life cycle of the client relationship Identifying business clients' credit needs and proposing suitable products, services and/or solutions Supporting efforts to gain new business and grow earnings potential from existing clients, e.g. at client conferences Advising and guiding teams in the development of bespoke products/solutions/platforms Working with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients. May also participate in the negotiation and execution of mandated transactions with clients Optimal utilisation of resources, and compliance with defined performance targets keeping in line with relevant internal guidelines/controls and regulatory requirements Maintaining and growing business contacts and leads in the lending business Compliance with internal and credit-related regulations, e.g., QS audit results, KWG§18 etc. Implementing regulatory KYC requirements, and maintaining compliance with other applicable regulatory requirements and guidelinesCreate a network with CA's and Financial Consultant's for generating the big ticket resale Loans business leads. Important from Sales Governance/Audit requirement. Due diligence process for clients. Channel/Business Partner Management, apart from sales with high revenue targets. End use monitoring of the fund which is regulatory requirement. Client servicing & retaining existing clients resulting in client complaints and client attrition. Ensuring adherence to various internal policies (Suitability & appropriateness/ KYC) related to client transaction and enhancing the wallet share of the client thereby contributing to the revenues for the bank Managing existing allocated bank portfolio for all renewals , due diligence and providing customer services as and when requested. The candidate will be responsible for sourcing cases lending business. Identifying business growth opportunities across the zone, build direct channel, new client acquisition strategies, promotions at industrial area & corporates. Managing healthy working relationships with intermediaries, corporate channel partners, Establish new channel partners for consistent growth in business. Manage relationship with reputed CA's and channel partners source good lending files. Create a network with CA's and Financial Consultant's for generating the big ticket resale Loans business leads. Drive fee based income through active cross sell and penetration of Insurance products. Contribute towards the expansion of business opportunities in strategic target areas and specific business industry. Disbursal target - 21 Crores per quarter Impact : Important from Sales Governance/Audit requirement. Due diligence process for clients. Channel/Business Partner Management, apart from sales with high revenue targets. End use monitoring of the fund which is regulatory requirement Client servicing & retaining existing clients resulting in client complaints and client attrition. Ensuring adherence to various internal policies (Suitability & appropriateness/ KYC) related to client transaction and enhancing the wallet share of the client thereby contributing to the revenues for the bank Your skills and experience Candidate should have excellent communication in English and well groomed. Minimum qualification required is Graduation. Minimum Exp should be 5 - 12 Years in relevant field. How we'll support you Training and development to help you excel in your

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