Company: DBS Bank
Location: Mumbai, Maharashtra, India
Employment Type: Full-time
Description:
Job Purpose:
To support Relationship Management teams in the following activities:
· Preparation and submission of Credit Memos to Credit team for NBFCs on-lending, Direct Assignment transactions and Co-lending/ BC Partnerships
· Completion of legal documentation in coordination with the Client, Legal, Credit & Credit Control Unit
· Assisting RM in completing client onboarding/KYC reviews
· Regular monitoring of clients, exposure and portfolio
· Submission of periodic reports to RMs, Credit and other stakeholders
· 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.
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 department 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/overdue renewal.
· 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 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 and regulatory 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 5-10 years of experience in CAM writing, preferably having experience with credit analysis of FI clients – banks, and NBFCs.
· 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 FIG segment, with reference to customer preferences and requirement would be preferable.
Education / Preferred Qualifications
CA / MBA
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
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
Source: LinkedIn
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