DBS Bank – Credit Analyst 71 views

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, foreign exchange 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 & NPA’s. 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.

– Communicates all 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 financial spreads which are consistent, error-free and in line with classification parameters 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 :

– Overall 2-5 years of experience in CAM writing.

– 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 preferable.

Education:

– An MBA or CA with relevant number of years of experience in Large Corporate Banking

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.

Women-friendly workplace:

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Company Information
  • Total Jobs 10 Jobs
  • Location INDIA

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