Job Description

Business Function

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business - they were made just right for you.

Key Accountabilities:

• To provide credit advisory to Relationship Managers / ARMs, propose appropriate credit structures to meet clients' needs and credit underwriting of loan and trading line limits.
• To maintain good credit quality of loan portfolio and keep current annual reviews so as to minimize audit issues.
• Foster good working environment and contribute to a good end-to-end credit process for PB.

Responsibilities:

• Preparation and submission of credit approval memo in accordance with credit policy for approval.
• Review credit related documentation issues and assess collateral acceptability, address loan and security documentation requirements.
• Responsible for the timely completion of annual credit reviews for assigned portfolio of accounts.
• Maintain credit quality of the portfolio and to raise early alert cases promptly.
• Ensure good end-to-end credit process for PB.

Requirements:

Technical Experience

• Degree from a recognised university in business, accountancy or finance.
• Candidates must have at least 3 years' experience in private banking credit either as a credit analyst, credit structurer or credit approver.
• Candidates with additional experience in a credit documentation and /or credit control role would have an advantage.
• Sound knowledge of credit risk issues & credit documentation requirements, as well as risk implications of credit structures.
• Good working knowledge of wealth investment products and retail banking products (real estate, credit card etc.).
• Good Microsoft Office skills (Excel, Word, Powerpoint)

Non-technical Experience

• Good analytical and writing skills.
• Good team player with excellent attitude, interpersonal skills and able to multi-task.
• Possess perseverance, initiative and good communication skills.
• Commercial minded but anchored with high professional integrity.
• Able to build strong relationships with business partners.

Apply Now

We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.