Senior Associate, Relationship Manager, Shipping and Mid-Cap Banking
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 develop and execute account strategies for mid-cap corporate clients, expand existing portfolios, win new business, and cross-sell banking solutions. You will prepare pitches, credit memos, and financial models; monitor credit quality; conduct corporate-finance and industry analysis; and independently manage loan documentation and negotiations.
Requirements
- Hold a bachelor's degree and have 8–10 years of relevant experience
- Have experience in corporate lending and relationship management for mid-cap corporate clients
- Demonstrate strong credit and financial analysis skills
- Prepare financial models, cash-flow analyses, and debt-capacity analyses for complex lending structures independently
- Understand corporate banking products
- Conduct industry-level research and produce strong written and presentation materials
- Use Microsoft Excel and PowerPoint proficiently
- Communicate and collaborate effectively with internal and external stakeholders
- Demonstrate a record of identifying and developing business opportunities
- Knowledge of shipping, aviation, logistics, transportation, or energy is advantageous
Responsibilities
- Formulate and initiate account strategies to expand existing portfolios and develop new ones
- Build an industry franchise within the assigned segment
- Complete and execute account plans for clients in target markets
- Drive business development with internal partners across geographies
- Increase product penetration and cross-sell banking solutions
- Submit RFPs, pitches, credit memos, and supervision reports on time
- Meet deal-execution timelines
- Prepare financial models with income-statement, balance-sheet, and cash-flow projections
- Monitor and manage accounts for credit deterioration or improvement
- Escalate credit concerns to senior bankers and credit teams promptly
- Conduct capital-structure, valuation, and comparable-company analyses
- Handle loan and security documentation and negotiations independently
- Support industry research and strategy exercises