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DBS Bank Ltd

Senior Associate, Specialist, Credit Approval, Risk Management Group

Posted 2 Days Ago
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In-Office
Mumbai, Maharashtra, IND
Senior level
In-Office
Mumbai, Maharashtra, IND
Senior level
Provide credit support and approvals for SME lending, evaluate lending proposals using financial statement and bank-statement/GST analysis, ensure compliance with RBI/MAS and internal credit policy, monitor portfolios and delinquency, and maintain turnaround time and credit controls to manage portfolio NPLs.
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Job Purpose

  • To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.
  • To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
  • To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis
  • Approve judiciously as and when DOA is granted

Key Accountabilities :

  • To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
  • To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.

Job Duties and Requirements:

  • Review of credit proposals originating from PAN India and to highlight info gaps, key risk issues not adequately addressed.
  • Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
  • Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.
  • Ensure meticulous compliance with Bank?s internal credit policy as well as regulatory guidelines for the SME segment.
  • Ensure compliance with the benchmark Turnaround Time

Experience

  • 5 to 7 years of work experience in Banking (preferably SME or credit department) / Credit Rating.

Education:

Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.

Core Competencies:

  • Good analytical skills
  • Good presentation skills
  • Good interpersonal skills
  • Good knowledge of industries/sectors

Technical Competencies

  • Sound knowledge of financial statement analysis and accounting policies/practices.
  • Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques
  • Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
  • Knowledge of corporate banking products
  • Knowledge of SME market and preferably should have had approval authority in his previous assignments.

Location:

Mumbai

Job:

Risk Management

Schedule:

Regular

Employee Status:

Full time

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