DBS Bank - Credit Analyst - Large Corporate

Job Title Credit Analyst - IBG

Section/ Business Area - IBG 1

We are looking someone for the Large Corporate - IBG 1, turnover 5000Cr & above

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.

- Cross sell of other products such as trade, cash and foreign exchange.

- To monitor portfolio for irregularities/ excesses/ breaches/ delays.

- 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 and 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 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 5-6years of experience in sales / sales support activities.

- 5-6 years of sales experience in Credit Analysis of Large Corporates and/or cash management.

- Knowledge of competitors and market place

- Market knowledge and experience in the IBG 1 segment, with reference to customer preferences and requirement would be preferable.