DBS Bank
Location
Mumbai | India
Job description
Job Purpose To support Relationship Management teams in the following activities, Credit Analysis, Origination support, Structuring, Credit Risk Approval etc independently Documentation, Portfolio review, account planning, data MIS, Audit, regulatory compliance etc Well versed in LRD, Loans, NCD financing for Real estate players, funds Bring good insight in credit risk control and assessment, strong expertise to relationship building, business opportunity digging, best result-oriented deals negotiation, diligent and flawless end-to-end execution.
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 IBG deliverables are met. Need-based meeting with customers to understand business and attendant risks. To monitor portfolio for irregularities/ excesses/ breaches/ delays. 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. Communicate 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. Required Experience Person should be a seasoned, proven performer with 7-10 years’ experience and expertise in Commercial Real Estate with peer bank, leading institutions. He should be responsible for ongoing monitoring of credit quality of portfolio through regular portfolio reviews, Credit reviews and covenant testing. He should be able to assist Relationship Managers across region in origination, sales pitch, legal matters, documentation, portfolio monitoring etc. Education An MBA or CA with relevant number of years of experience in 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 deadlinesJob tags
Salary
