Senior Associate, Specialist, Credit Analyst, Institutional Banking Group

Overview

Senior Associate, Specialist, Credit Analyst in the Institutional Banking Group, supporting corporate customer credit preparation, documentation and portfolio monitoring for DBS Bank.

What you'll do

• Prepare accurate, consistent, concise and lucid credit proposals and submit Credit Memos to CCG.
• Complete documentation formalities in coordination with the client and CCU.
• Assist the RM in client onboarding/KYC reviews, legal and valuation reports.
• Follow up for regularization of overdues and client servicing in coordination with internal units.
• Highlight early warning signs in the portfolio to RMs and help detect early warning signals.
• Manage the existing portfolio for designated relationship teams and explore cross-sell opportunities such as trade, cash and foreign exchange.
• Monitor the portfolio for irregularities, excesses, breaches and delays.
• Ensure regulatory reporting and compliance are enforced, and assist external and internal audits.
• Work with the legal team to ensure recoveries and minimize bad debts and NPAs.
• Prepare spreads that are consistent, error-free and in line with DBS classification parameters.
• Provide concise, relevant financial analysis clearly identifying risks.
• Ensure reviews are completed before 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.
• 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.
• Monitor customer satisfaction, complaints and quality of handling, and communicate key messages to customers.

What you'll need

• Overall 5+ years of experience.
• An MBA or CA with relevant years of experience in Corporate Banking.
• Good written and verbal communication skills.
• Good analytical skills.
• Results-oriented, self-driven and highly ambitious, 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, and local laws and regulations affecting businesses.
• Understanding of KYC requirements and Anti-money Laundering policies.
• Knowledge of financial markets, products and competitor offerings.

Nice to have

• Knowledge of competitors and market.
• Market knowledge and experience in the IBG 1/2 segment, with reference to customer preferences and requirements.

Details

• Location: Ahmedabad-DBIL.
• Job: Risk Management.
• Schedule: Regular.
• Employee status: Full time.