DBS Bank Ltd
Senior Associate, Specialist, Credit Approval, Risk Management Group
Be an Early Applicant
Provide credit support and approvals for SME segment, evaluate lending proposals (including bank-statement analysis), implement credit policy and controls, monitor portfolios and delinquency, ensure compliance with RBI/MAS and internal policies, and maintain turnaround time benchmarks.
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 Responsibilities:
- 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 (Indicate nature and extent of work experience including number of years required, if applicable.)
- 6 to 17 years of 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:
MumbaiJob:
Risk ManagementSchedule:
RegularEmployee Status:
Full timeDBS Bank Ltd Mumbai, Maharashtra, IND Office
Mumbai, India
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