DBS Bank - Collateral Manager

Job Purpose:

- Collateral Manager will be primarily responsible for the oversight & management of the valuation process of various types of properties undertaken as collateral securities, e.g. residential, commercial, industrial, etc. for credit program portfolios as necessary.

Key Accountabilities :

- Adopt a dynamic risk management approach to pro-actively monitor the collateral valuation trends for various types of properties in different locations where DBS has taken / proposes to take properties as security. 

- Keep a track of concentrations in type of collateral security or geography and highlight in case of any adverse changes in property rates in that area for corrective action

- Scrutinise valuation reports on a sample basis and check for appropriateness of valuation being provided by empanelled valuers.

- Manage day to day valuation related issues and provide technical support for decision on exceptions / deviations pointed out by empanelled valuer by factoring in nuances and working with key stakeholders to ensure robust risk management of the collateral valuation related issues.

- Review profile of valuers and provide necessary recommendations for empanelment.

Job Duties & responsibilities :

- To have a sound knowledge of the valuation process and trends in terms of risks associated with various types of properties, geographies and products.

- To have a working knowledge of the general Legal / regulatory framework in which the bank operates in India and apply the same.

- To apply knowledge of RBI Regulations/ MAS Guidelines that govern collateral valuations, including the Loan Grading, Provisioning and Asset Classification regulations and to update Local credit / Lending Policies as applicable.

- To comply with regulatory, audit and statutory requirements and assist in inspections and audit (external and internal) inputs in all credit areas pertaining to collateral title and valuation.

- To compile Management MIS / reports for Credit Committee, other forums, as applicable

- Conduct risk forum with business partners and follow up with system/ process enhancement, where required, to ensure robust collateral valuation process in DBS India.

- Provide credit support to CRM with requisite clarifications with respect to deviations / observations on Collateral valuation report, whenever required.

- Participate in and contribute to designated projects to improve credit processes and systems