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Job Description
RMG
Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure.
Job Purpose
- To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for IBG 4 segment.
- To assist the Credit Approvers in establishing credit controls and procedures for IBG 4 Segment also help the Business Lines grow, such that the business runs seamlessly, within target NPL.
- To actively evaluate lending proposals for IBG 4 customers (PAN INDIA) including financial position assessment, industry position and position of the corporate, and hold promoter meeting, whenever possible.
- Approve judiciously as and when DOA is granted
Key Accountabilities :
- To use credit analysis techniques, which highlight all significant risks in relation to a lending proposition, for evaluation and recommendation of the proposals in IBG 4 Segment.
- To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
- To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
- To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.
Job Duties and Responsibilities :
- Review of credit proposals originating from all India branches to highlight info gaps, key risk issues not adequately addressed
- Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
- Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.
- Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines for the SME segment.
- Ensure compliance with the benchmark Turnaround Time (TAT)
Education/Preferred Qualifications
Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.
Core Competencies
- Good analytical skills
- Good presentation skills
- Good interpersonal skills
- Good knowledge of industries/sectors
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- Sound knowledge of financial statement analysis and accounting policies/practices.
- Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques
- Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
- Knowledge of corporate banking products
- Knowledge of SME market and preferably should have had approval authority in his previous assignments.
Work Relationship
Interaction and good working relationship with SME Relationship team and CCU. Other product teams (GTS, T&M etc), RBI inspectors, regulators and other Vendors.
Primary Location: India-Tamil Nadu-Coimbatore
Job: Risk Management
Schedule: Regular
Employee Status:
Full-time
:
Job Posting: Jun 10, 2022, 7:51:55 AM
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About Company
DBS Bank, a leading financial services group in Asia, drives digital innovation to redefine banking experiences. With a commitment to making banking seamless and accessible, DBS Bank leverages cutting-edge technology to empower customers and businesses alike. DBS Bank Careers offer exciting opportunities for individuals seeking to shape the future of finance. Whether in banking operations, technology, or wealth management, joining DBS Bank means being part of a progressive organization that values innovation and collaboration. With a focus on nurturing talent and fostering a diverse workforce, DBS Bank provides a platform for professional growth and development. Explore DBS Bank Careers for a chance to make a meaningful impact in the financial industry.
Important dates & deadlines?
Application Deadline
30 Jul 22, 12:00 AM IST
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Regional Credit Manager
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