Specialist, Credit Risk Management, SME Banking
DBS Bank
- Singapore
- Permanent
- Full-time
- IBG Credit Risk works closely with IBG to manage our risk exposure by balancing business’ 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.
- 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.
- In addition to credit approval and management of MidCap/SME industry portfolios assigned, this officer will also be part of the Global Transactions Services (“GTS”) Credit team and work with GTS on product risk policies, process and governance framework
- At least 12 years of relevant experience in banks or financial institutions with understanding of the MidCap space, good knowledge of banking, trade finance and structuring, operations, legal documentation and end-to-end processes. Prior strong frontline business experience is considered favourably.
- University degree from a reputable tertiary institution
- Organisation of thoughts and 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.