Senior Associate Relationship Manager Credit Program Small
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 build a diversified IBG 4 customer portfolio in accordance with lending guidelines. You will source and onboard asset relationships, support sanctioning and disbursement, cross-sell asset, trade, cash, and treasury products, and achieve revenue targets. You will conduct due diligence, prepare account plans, monitor accounts and renewals, identify early-warning signals, maintain KYC and AML compliance, submit MIS, and report business opportunities and customer risks.
Requirements
- 3 to 5 years of sales experience
- 2 to 3 years of sales experience in SME or business banking lending
- 2 to 3 years of working-capital sales and service portfolio experience
- Proven sales track record in SME or business banking asset business
- Knowledge of competitors and the marketplace
- SME market knowledge and understanding of customer preferences and requirements
- Bachelor's degree in Finance, Economics, or Commerce, or an MBA or CA
- Communication, listening, sales, and negotiation skills
- Working-capital finance knowledge
Responsibilities
- Source new-to-bank asset relationships within the IBG 4 segment in line with lending policy
- Build a diversified portfolio and generate revenue from assets, trade, cash, treasury, and fees
- Cross-sell asset, trade, cash, and treasury products
- Support sanctioning and disbursement in liaison with customers, risk, and operations
- Conduct due diligence when onboarding new asset relationships
- Prepare account plans that identify revenue potential, risks, and mitigants
- Monitor portfolio performance, customer businesses, covenants, conditions, and early-warning signals
- Ensure timely account renewals
- Maintain KYC and AML compliance
- Provide MIS to the central team within guidelines
- Build local stakeholder relationships and report business opportunities and industry or customer risks
Benefits
- Flexible working