Job Description

Business FunctionIBG Credit works closely with IBG to manage our risk exposure by balancing businessxe2x80x99 objective to maximise returns against acceptable risk profile. MidCap/SME Credit partners origination teams in Midcap/SME segments to provide a whole suite of financing and hedging solutions to our customers. To manage risks effectively and run a successful business, we invest significantly in our people and infrastructure.Responsibilities

• Review and underwrite credit within delegated approving authority.
• Mitigate risks with sound risk controls and conditions, in compliance with all legal and regulatory requirements, and adherence with applicable credit risk policies. Address any deviations/non-adherence to established policies and standards.
• Monitor and manage portfolio risk profiles and concentrations in line with economic, industry and regulatory trends under stress scenarios.
• Ensure integrity and accuracy of credit information and recommend appropriate account and portfolio action plan.
• Participate in projects/initiatives/ task force and contribute towards desired outcome.
• Work with MidCap/SME RMs to improve the credit assessment and credit memo quality

Requirements

• At least 12 years of relevant experience in banks or financial institutions with network in the MidCap/SME space, good knowledge of banking products, operations, legal documentation and end-to-end processes. Prior strong frontline business experience is considered favourably.
• University degree from a reputable tertiary institution
• Strong credit analytical skills including financial modelling and cash flow analysis.
• Good knowledge of banking solutions covering Working Capital Trade, Treasury, Structured Trade, Leveraged Buyout / Mergers & Acquisitions, Syndicated Finance, Debt and Equity Capital Markets.
• Analytical thinker with strong risk and control mindset to balance business objectives and drive risk culture.
• Resourceful individual to collaborate/partner effectively across business, credit and product and operations teams.
• Excellent communication skills to influence stakeholders at all levels to achieve risk management objectives.
• Market insights with deep understanding of changes in the macro and industry trends.
• Good network in the MidCap/SME space to be able to do independent market sounding.

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

DBS Bank