Associate Relationship Manager Credit Program Small Small Medium Enterprises
DBS Bank is a Singapore-headquartered bank serving personal, SME, corporate, wealth management, and institutional customers across 19 markets. It provides digital banking, financial markets, investment, lending, and other banking services.
About DBS Bank Ltd
DBS Bank is an Asia-focused banking group headquartered in Singapore. The bank offers personal and SME banking, corporate banking, private banking, global wealth management, financial markets, investment services, and digital banking products including digibank, IDEAL, and DBS Vickers Online. DBS also serves institutional and corporate clients and provides tokenised physical gold offerings for customers.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will acquire and manage SME asset relationships, build diversified portfolios, cross-sell banking products, conduct due diligence, monitor accounts and renewals, manage risks, identify early warning signals, and comply with lending, KYC, and AML requirements.
Requirements
- Overall 3–5 years of experience in sales
- 2–3 years of sales experience in SME or business banking lending
- 2–3 years of experience in working capital sales and service portfolio
- Sales track record in SME or business banking asset business
- Competitor knowledge
- Marketplace knowledge
- SME market knowledge
- Communication
- Listening
- Sales
- Negotiation
- Working capital finance
Responsibilities
- Source new-to-bank asset relationships within the IBG 4 segment
- Ensure sanction and disbursement of sourced relationships
- Cross-sell asset, trade, cash, and treasury products
- Achieve budgeted revenue across product parameters
- Conduct due diligence when onboarding new asset relationships
- Prepare account plans covering revenue potential, risks, and mitigants
- Increase customer wallet share through cross-selling
- Monitor portfolios and ensure timely account renewals
- Report business developments and early warning signals
- Ensure compliance with covenants and credit conditions
- Submit management information to the central team
- Maintain relationships with business stakeholders, clients, market leaders, and industry associations
- Report business opportunities and customer risks to senior management
- Comply with bank processes and policies
Benefits
- Flexible working