Associate, Specialist, Credit Analysis, Corporate Banking, Institutional Banking Group

Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services including cash management services current accounts time deposits trade finance working capital finance term loans and foreign exchange Through our continued commitment DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management service differentiation product development and rigorous credit standards Job Purpose To support Relationship Management teams in the following activities Preparation and submission of Credit Memos to Credit team for FIG including Micro Finance NBFC clients Completion of documentation formalities in coordination with the client CCU Assisting RM in completing client onboarding KYC reviews Follow up for regularization of overdues Client servicing in coordination with internal units Highlighting any early warning signs of the portfolio to the RMs Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other banking products and help the team in detecting early warning signals in their portfolios Key Accountabilities- To prepare accurate credit proposals in a consistent concise and lucid manner To maintain close working relationship with Business Unit to ensure that IBG deliverables are met Need-based meeting with customers to understand business and attendant risks Cross sell of other products such as trade cash Fx etc To monitor portfolio for irregularities excesses breaches delays Ensure all regulatory reporting compliances are enforced Work with the legal team to ensure recoveries minimize bad debts NPAs Also ensure assistance to external internal audits Ensure customer retention increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS tracking of operations complaints Control the quality of the portfolio using available triggers and adherence to Risk management guidelines and policies Monitor levels of complaints and quality of handling Communicateall key messages to customers including agreed service standards negotiated pricing relationship team contact points including introductions to new personnel and new product changes Monitor and ensure adherence to risk service standards Job Duties Responsibilities Preparing spreads which are consistent error-free and in line with classification parameters used in DBS Providing concise and relevant financial analysis by clearly identifying risks Ensure reviews are completed prior to due date and are error free Interact and follow up with clients on required information and clarifications Adhere to the risk management guidelines of DBS MAS and RBI Ensuring that irregularities excesses in the portfolio are kept within control Develop and maintain a detailed knowledge of industry sectors within the customer portfolio Control and manage the risk profile for the overall Team portfolio Manage performance against key financial risk-adjusted contribution sales service and operational targets Develop Account Relationship Plans for customers in portfolio Required Experience Experience in CAM writing preferably having experience with credit analysis of FI clients - banks NBFC and Insurance Cos A few years of sales experience in cash management trade finance would be added advantage Knowledge of competitors and market Market knowledge and experience in the IBG 1 2 segment with reference to customer preferences and requirement would be prefereable Education An MBA or CA with relevant number of years of experience in Corporate Banking FIG Core Competencies Good written and verbal communication skills Good Analytical skills Self-driven and highly ambitious Results-orientated the ability to handle pressure Relationship building management skills Understanding of competitor products Comfortable with tight deadlines Technical Competencies Sound understanding of asset products and associated technology platforms and operational procedures Understanding of regulatory guidelines on banking policies issued by MAS RBI SEBI local regulations in India and local laws and regulations that impact businesses in general Understanding of KYC requirements Anti-money Laundering Policies are critical Knowledge of financial markets products competitor offerings to assist in meaningful dialogue with clients Work Relationship Close interaction with RMs Branch Manager to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer DBS India - Culture Behaviors DBS is committed to building a culture where all employees are valued respected and their opinions count We take pride in providing a workplace that fosters continuous professional development flexible working and opportunities to grow within an inclusive and diverse environment Expected value driven behaviors are Demonstrate Business Performance through PRIDE 2 0 Value Based Propositions Ensure Customer Focus by Delighting Customers Reduce Complaints Build Pride and Passion to Protect Maintain and Enhance DBS Reputation Enhance Self Knowledge Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity -en-en