Specialist Credit Approval - CBG
DBS Bank
- Nellore, Andhra Pradesh
- Permanent
- Full-time
- 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.
- 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
- 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
- Good analytical skills
- Good presentation skills
- Good interpersonal skills
- Good knowledge of the industry
- 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
- 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