Business Function
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 give effective credit support for meeting the business targets
To frame the lending policy framework, processes and workflow, assist in setting up the Affordable Housing business in India
To approve credit applications as per DOA judiciously
Ensuring that quality of Bank's exposure in India is acceptable at all time
Provide guidance to the team of relationship managers on areas of policy and processes
Key Accountabilities
Underwriting the files as per laid down policy and process and other controls, etc for AHL business
To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks
To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner
To have a sound knowledge of the respective market especially Affordable Housing customer segment in terms of risks associated with this product
Vendor Management (Legal, Technical and others if applicable)
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
Set up policy / processes for AHL
Approve AHL applications for his respective branch / location / region
Portfolio monitoring / tracking & escalation of adverse new events in the portfolio
Ensure meticulous compliance with Bank's internal credit policy as well as regulatory guidelines
Ensure compliance with the benchmark Turnaround Time
Ensure proper guidance / support to the team of relationship managers.
Ensure processing of files within agreed timelines
Experience
Three to Five years of experience in mortgages/Housing loans in Consumer Banking (preferably lending to Affordable/retail segment customers)
Education/Preferred Qualifications
Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages/Housing loans business and market
Core Competencies
Good analytical skills
Good presentation skills
Good interpersonal skills
Good knowledge of the industry
Technical Competencies
Sound knowledge of policies / lending frameworks followed for this product
Good knowledge of credit evaluation methods, 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 various banking products and risks associated with them
Adequate local knowledge of properties for cities in which he operates
Work Relationship
Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators, and other external agencies.
DBS India - Culture & Behaviors
Drive performance through Value Based Propositions
Build pride and passion to protect, maintain and enhance DBS' image and reputation
Enhance knowledge base, build skill sets & develop competencies
Invest in team building & motivation through ideation & innovation
Execute at speed while maintaining error free operations
Develop a passion for performance and grow the talent pool
Maintain the highest standards of honesty and integrity
Primary Location
India-Tamil Nadu-Vellore
Job
Risk Management
Schedule
Regular
Job Type
Full-time
Job Posting
Mar 1, 2024, 12:00:00 AM

Specialist Credit Approval - CBG