DBS Bank - Credit Analyst - Large Corporate

Credit Analyst - Large Corporates

Key Accountabilities :

- We are looking someone for IBG 1 - (Large Corporate) who handle the turnover of 5000cr+

- 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.

Work Relationship :

- Close interaction with RMs / Branch Manager to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets.

- Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer.

Monali Desai
Human Resources DBS Bank Ltd
Mumbai 400021