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Specialist, Credit Analysis, SME Banking

2.00 to 7.00 Years   Mumbai City   24 Sep, 2021
DBS Asia Hub 2
Job LocationMumbai City
EducationNot Mentioned
SalaryNot Disclosed
IndustryBanking / Financial Services
Functional AreaFinance / Accounts / Tax
EmploymentTypeFull-time

Job Description

*Specialist, Credit Analysis, Middle MarketBU : IBG 3Job Purpose : To support Relationship Management teams in the following activities, Preparation and submission of Credit Memo to CCG Completion of documentation formalities in coordination with the client & CCU Assisting RM in completing Legal & Valuation reports Follow up of overdues for regularization 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 transaction banking products and help the team in detecting early warning signals in their portfolios.Key Accountibilities :

  • 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 and foreign exchange.
  • 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 and 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 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.Education Qualification :An MBA or CA with relevant number of years of experience in banking and specifically in selling asset products in the Mid Market Banking segment. Core Competancies :
  • 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.Working Relationship :
  • Close interaction with RMs / Branch Managers 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.
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Keyskills :
early warningrisk managementcredit analysisclient servicingservice deliverybanking productsservice standardsfinancial analysiscustomer retentiontransaction bankingstatements of work sow

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