| New Business Prospects: - Originate new business prospects within the SME sector through direct sourcing and open market channels.
Customer Acquisition: - Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.
Business Generation: - Meet existing SME clients to identify business opportunities and drive revenue.
Working Capital Facilities: - Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs.Customer Relationship Management:
- Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients.
Cross-Selling: - Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.
Credit Risk Assessment: - Assess the credit risk associated with SME clients and their proposed financing structures.
- Collaborate with credit and risk teams to ensure sound credit decisions.
Financial Analysis - Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
- Prepare and present comprehensive credit proposals.
Credit Structuring: - Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles.
- Optimize the credit solutions offered to SME clients.
Compliance and Regulations: - Ensure compliance with all relevant regulatory requirements and internal policies.
- Stay updated on changes in regulations affecting SME banking.
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