DBS Bank
Location
Mumbai | India
Job 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 clientsJob tags
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