DBS Bank India | Associate, Specialist, Credit Analysis, Middle Market

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.
• Ensure Customer Focus by Delighting Customers & Reduce Complaints.
• Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation.
• Maintain the Highest Standards of Honesty and Integrity.
• 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.

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.
• An MBA or CA with relevant number of years of experience in Corporate Banking.
• Good written and verbal communication skills.
• Results-orientated & the ability to handle pressure.
• Relationship building & management skills.
• 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.
• Knowledge, Skills and develop Competencies aimed at continuous improvement.

DBS Bank India

DBS Bank India Limited is the Indian arm of DBS Group of Singapore, one of Asia's largest banks. DBS opened its first Indian office in Mumbai in 1994 and was among the first large foreign banks to operate in India as a wholly owned, locally incorporated subsidiary. After the amalgamation of Lakshmi Vilas Bank in November 2020, it serves customers through branches in around 19 states.

For finance professionals, DBS hires across consumer banking, institutional banking, treasury and markets, finance and controllership, risk, internal audit and compliance. CA, CFA and MBA (Finance) profiles suit its credit analysis, relationship management, regulatory reporting and audit roles.

• Industry: Banking
• Headquarters: Mumbai, India (parent: DBS Group, Singapore)
• In India: Branches across around 19 states, with large technology and operations hubs in Hyderabad and Chennai