Associate, Specialist, Credit Analyst, Institutional Banking Group

Overview

Support Relationship Management teams in credit proposal preparation, client documentation, KYC and onboarding, portfolio monitoring and client servicing for the Financial Institutions Group (FIG) in Institutional Banking.

What you'll do

• Prepare accurate, consistent, concise and lucid credit memos for submission to the Credit team for FIG.
• Prepare spreads that are consistent, error-free and in line with DBS classification parameters.
• Provide concise and relevant financial analysis clearly identifying risks.
• Complete reviews before due date and error-free.
• Assist RMs in client onboarding, KYC reviews and ongoing transactions, in coordination with the client and CCU.
• Interact and follow up with clients on required information and clarifications.
• Follow up for regularization of overdues.
• Monitor the portfolio for irregularities, excesses, breaches and delays, and highlight early warning signs to RMs.
• Control the quality of the portfolio using available triggers and adherence to risk management guidelines and policies.
• Stay updated on regulatory changes and adhere to risk management guidelines of DBS, MAS and RBI.
• Ensure all regulatory reporting and compliances are enforced, and assist external and internal audits.
• Manage the existing portfolio for designated relationship teams and explore cross-sell opportunities in trade, cash, FX and other products.
• Monitor customer satisfaction through detailed MIS and tracking of operations and complaints; monitor complaint levels and quality of handling.
• Communicate key messages to customers, including agreed service standards, negotiated pricing, relationship team contacts and new product changes.
• Develop and maintain 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 the portfolio.
• Meet customers as needed to understand business and attendant risks.

What you'll need

• Overall 1-4 years of experience in CAM writing.
• An MBA or CA with relevant years of experience in Corporate Banking / FIG.
• Good written and verbal communication skills.
• Good analytical skills.
• Self-driven, highly ambitious and results-oriented, with the ability to handle pressure.
• Relationship building and management skills.
• Understanding of competitor products.
• Comfortable with tight deadlines.
• Sound understanding of asset products, associated technology platforms and operational procedures.
• Understanding of regulatory guidelines on banking policies issued by MAS, RBI and SEBI (local regulations in India), and local laws that impact businesses.
• Understanding of KYC requirements and Anti-Money Laundering policies.
• Knowledge of financial markets, products and competitor offerings.

Nice to have

• Credit analysis experience with FI clients: banks, NBFCs and insurance companies.
• A few years of sales experience in cash management or trade finance.
• Knowledge of competitors and the market, and experience in the FIG segment with reference to customer preferences and requirements.

Details

• Location: Mumbai.
• Job function: Risk Management.
• Schedule: Regular.
• Employment type: Full time.