Senior Associate, Credit Approval, Risk Management Group
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
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will support Credit Approvers in implementing SME credit policy and strategy, review credit proposals from across India, and evaluate lending proposals based on bank statement analysis. You will monitor the portfolio, track delinquency, and ensure compliance with internal policy, regulatory guidelines and turnaround times.
Requirements
- 5 to 7 years of experience in Banking (preferably SME or credit) or Credit Rating
- Professional qualification or postgraduate degree preferably in business, accountancy, economics or finance
- Knowledge of financial statement analysis and accounting practices
- Knowledge of credit evaluation methods including bank statement/GST based evaluation
- Understanding of RBI and MAS regulatory guidelines
- Knowledge of corporate banking products and SME market
- Good analytical, presentation and interpersonal skills
Responsibilities
- Support Credit Approvers in implementing SME credit policy and strategy
- Establish credit controls and procedures for SME branches
- Evaluate lending proposals for IBG 4 customers based on bank statement analysis
- Review credit proposals and highlight information gaps and key risk issues
- Monitor portfolio and escalate adverse events
- Track delinquency levels and ensure follow-up on overdues
- Ensure compliance with internal credit policy and regulatory guidelines
- Meet benchmark turnaround times
- Approve within delegated authority when granted
