Senior Credit Approval Manager
1 month ago
DBS Bank is seeking a highly skilled and experienced Team Head, Credit Approval, Firm-Wide to join our team. As a key member of our credit approval team, you will be responsible for assessing and approving credit applications raised by IBG1/2 units.
Responsibilities:- To assess and approve credit applications raised by IBG1/2 units.
- To provide guidance and support to the approvers as the line manager.
- To work as a team with other approvers for China Credit to ensure the credit quality of the bank's China Credit portfolio.
- To support other credit administration activities, including but not limited to formulation of various credit related policies, guidelines and initiatives.
- To provide in-depth credit analysis and facilitate proper deal structuring.
- To provide timely credit approvals.
- To assist approvers in other countries/regions for credit decision by providing relevant credit opinions or comments.
- To provide guidance as line manager to approvers in the team for credit decision, relevant training, and career development.
- To assess onboarding customers and conduct post-monitoring.
- To contribute to the development of lending guidelines and portfolio strategies.
- To ensure that credit quality of the covered portfolio is sound.
- To help develop and refine portfolio strategy and adjust it on an ongoing basis.
- To provide input in deal structuring and in subsequent monitoring.
- University graduates or higher degrees, preferable major in banking, finance, business administration, or related areas.
- Credit evaluation experience either in pure credit functions or in different functions especially where complex credits and/or structuring are involved.
- Relevant non-banking experience is acceptable if it adds to the person's risk assessment capability.
- Front-line business experience in lending or related activities could be a plus.
- Minimum 12 years' experience of banking experience preferably in China.
- Market & industry knowledge.
- Credit risk management skills.
- Analytical / problem-solving skills.
- Knowledge of credit policies / underwriting standards.
- Effective communication skills.
- Able to work independently and under time pressure.
- Strong financial/management accounting knowledge.
- Good people management skill.
- Must be a team player.
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