DBS Bank - Credit Analyst - Large Corporate

Credit Analyst - Large Corporate's

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.

Education/Preferred Qualification :

- An MBA or CA with relevant number of years of experience in banking and specifically in asset products in the IBG Banking segment.

Monali Desai
Human Resources DBS Bank Ltd
18th Floor, Express Towers, Nariman Point
Mumbai 400021