Analyst Relationship Manager Credit Program Small Small Medium Enterprises
DBS Bank Ltd is a Singapore-based bank providing personal, SME, corporate, institutional, wealth management, financial markets, and digital banking services. Its clients include consumers, small and medium-sized businesses, corporations, and institutional customers.
About DBS Bank Ltd
DBS Bank Ltd provides banking products and services including accounts, cards, insurance, loans, investments, digital banking, payments, trade finance, foreign exchange, commodities, investment solutions, and derivatives clearing. Through its SME business, it supports businesses with financing, cash-flow management, online banking through DBS IDEAL, sustainability programmes, and business-growth initiatives. The bank serves personal customers, SMEs, corporate and institutional clients, and wealth-management customers across its regional markets.
Skills
About the Role
You will acquire and develop SME lending relationships, originate and disburse asset facilities, and cross-sell banking products. You will monitor the portfolio, complete due diligence and account planning, maintain KYC and AML compliance, provide reporting, and build relationships with local market stakeholders.
Requirements
- 3–5 years of sales experience
- 2–3 years of SME or business-banking lending sales experience
- 2–3 years of working-capital sales and service portfolio experience
- Proven asset-business sales track record in the SME or business-banking segment
- Knowledge of competitors and the marketplace
- SME market knowledge
- Communication, listening, sales, and negotiation skills
- Working-capital finance knowledge
Responsibilities
- Source new asset relationships in the IBG 4 segment in line with lending policy
- Originate, secure sanction for, and disburse lending facilities
- Cross-sell asset, trade, cash, treasury, and fee products
- Achieve budgeted revenue targets
- Conduct due diligence when onboarding new asset relationships
- Create account plans covering revenue potential, risks, and mitigants
- Monitor portfolios, renew accounts on time, and act on early-warning signals
- Ensure credit covenants and conditions are met
- Maintain KYC and AML compliance
- Provide MIS to the central team within guidelines
- Develop relationships with clients, market leaders, influencers, and industry associations
- Report material business opportunities and industry or customer risks to senior management
Benefits
- Flexible working