Senior Associate Relationship Manager Credit Program Medium 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
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will acquire and develop business banking relationships within the IBG 4 segment. You will grow revenue through lending and cross-selling, complete due diligence and onboarding, monitor portfolio risk, follow KYC and AML requirements, report management information, and build local market relationships.
Requirements
- 3–7 years of sales experience
- 2–3 years of working capital sales experience in SME or business banking
- Proven sales track record in SME or business banking asset business
- Knowledge of competitors and the marketplace
- Knowledge of the SME sector
- Market knowledge and experience in the SME segment
- Communication skills
- Listening skills
- Sales skills
- Negotiation skills
- Working capital finance knowledge
Responsibilities
- Source new-to-bank asset relationships within the IBG 4 segment
- Ensure loan sanction and disbursement in liaison with customers, risk, and operations teams
- Cross-sell liability, trade, cash, and treasury products
- Achieve budgeted revenue targets across products
- Conduct due diligence when onboarding new assets
- Create account plans that identify revenue potential, risks, and mitigants
- Follow KYC and AML requirements
- Provide MIS to the central team within guidelines
- Complete assigned learning programs
- Comply with bank processes and policies
- Maintain relationships with local stakeholders, clients, market leaders, chartered accountants, influencers, and industry associations
- Report business opportunities and industry or customer risks to senior functional management