Associate, Specialist, Credit Analysis, Middle Market

Business Function

Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.

Responsibilities

• Conduct comprehensive credit analysis of IBG2 clients to assess their creditworthiness and financial standing
• Interact with clients to gather relevant information and documentation required for credit assessment
• Prepare detailed credit proposals and recommendations for new and existing clients. Collaborate with the Credit team to obtain timely approvals for credit facilities
• Support Relationship Managers in achieving their business targets by assisting with annual supervision reviews and arranging credit approvals for new-to-bank clients or new deals
• Coordinate with the Trade & Operations team and other stakeholders to ensure timely completion of KYC, documentation requirements etc.

Requirements

• Relevant experience in credit analysis or a similar role within the banking industry.
• Strong analytical and problem-solving skills with the ability to interpret financial statements and assess credit risk
• Excellent communication and interpersonal skills to interact effectively with clients and internal stakeholders
• Proficient in using financial analysis tools and software
• Ability to work under pressure and meet deadlines

Education / Preferred Qualifications 

An MBA or CA with relevant number of years of experience in Corporate Banking

Core Competencies 

• Good written and verbal communication skills
• Good Analytical skills.
• Self-driven and highly ambitious
• Results-orientated & the ability to handle pressure
• Relationship building & management skills
• Understanding of competitor products
• Comfortable with tight deadlines

Technical Competencies 

• Sound understanding of asset products and associated technology platforms and operational procedures
• Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.
• Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients

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.

DBS India - Culture & Behaviors

DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are:

• Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions
• Ensure Customer Focus by Delighting Customers & Reduce Complaints
• Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation
• Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement
• Maintain the Highest Standards of Honesty and Integrity
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