Senior Officer Relationship Manager Credit Program Small and 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 manage a diversified SME lending portfolio. You will source new relationships, arrange sanctions and disbursements, cross-sell asset, trade, cash, and treasury products, conduct due diligence, monitor accounts and renewals, manage risks and covenants, maintain KYC and AML compliance, and develop local business opportunities.
Requirements
- 3-5 years of overall sales experience.
- 2-3 years of sales experience in SME or business banking lending.
- 2-3 years of experience in working capital sales and service portfolios.
- Proven sales track record in SME or business banking asset businesses.
- Knowledge of competitors and the marketplace.
- SME market knowledge and experience with customer preferences and requirements.
- Bachelor's degree in Finance, Economics, or Commerce, or an MBA or CA.
- Excellent communication and listening skills.
- Good sales and negotiation skills.
- Knowledge of working capital finance.
Responsibilities
- Source new asset relationships within the SME segment.
- Coordinate sanctions and disbursements with customers, risk, and operations.
- Cross-sell asset, trade, cash, treasury, and fee products.
- Achieve budgeted revenue across product parameters.
- Conduct due diligence when onboarding new asset relationships.
- Create account plans covering revenue potential, risks, and mitigants.
- Increase customer wallet share through cross-selling.
- Monitor portfolios and complete account renewals on time.
- Identify early warning signals and take appropriate action.
- Ensure credit covenants and conditions are met.
- Maintain KYC and AML compliance.
- Provide management information to the central team.
- Build relationships with local businesses, prospective clients, market leaders, chartered accountants, influencers, and industry associations.
- Report material business opportunities and industry or customer risks.
Benefits
- Flexible working