Analyst, Credit Control Unit, Risk Management Group

DBS Bank Ltd; New Delhi; On-site; INR 600,000 - 900,000; Full time

Job summary

DBS Bank Ltd in New Delhi is seeking a Credit Administration professional to manage offer letter checks, post-disbursal conditions, and MIS across internal and regulatory needs.

The role requires 3–5 years in credit administration, commerce education, and familiarity with MS Office and CCU systems to ensure compliance and efficient processes.

Qualifications

• Graduate in Commerce with 3–5 years in credit administration
• Basic knowledge of MS Office and CCU systems
• Experience handling credit documentation and legal drafting would help

Responsibilities

• Checking offer letters and security documents
• Follow up of pre- and post-disbursal conditions and pending security documents
• Preparing MIS for internal use and for HO/regulators
• Managing databases for Credit Control Unit MIS
• Liaising with in-house and external legal for non-standard docs and with vendors for valuation/charges
• Managing the portfolio effectively

Skills

Job Knowledge

Organising Skills

Proactive

Communication Skills

Interpersonal Skills

Education

Graduate in Commerce

Tools

MS Office

Credit Systems

Job description

Key Accountabilities and Requirements

peparing/Checking of offer letters and documents in line with the credit conditions stipulated in Credit Memos Monitoring of post disbursal conditions Limit inputting, release and Checking of all conditions precedents stipulated in Credit Memo before loading of both Offshore and Onshore limits Tracking of various regulatory/Credit Monitoring items like Stock Statement, QIS, Insurance policies, collateral audit, ROC Search etc. Preparing MIS on incomplete security documents and and liaising with RMs for receipt/rectification of such items Liaising with in-house legal team and external legal counsel for drafting of non standard docs so as to ensure that credit conditions stipulated by credit chain are incorporated in such documents Liaising with HO, other department for MIS and other information as well as for off-shore limits loading/facilities disbursals. Participating actively in Process analysis and making them more efficient and reducing duplication of processes.

Job Duties & responsibilities

• Checking of offer letters and security documents
• Follow up of Pre and Post monitoring disbursal conditions and pending security documents
• Preparing of various MIS which includes, Internal MIS and that for HO/ regulators
• Effect Data base management of various MIS pertaining to Credit Control Unit
• Liaising with in house and external legal for drafting of non standard docs and also with vendors for valuation, charge creation etc.
• Effective management of the portfolio being handled by him/her.

Experience

The job holder should have requisite skills in terms of understanding the various products offered by the bank. He/She should have handled credit administration Jobs. Minimum of 3-5 years in credit administration in various positions (For BE-A the experience level of 3 years can be considered).

Education / Preferred Qualifications

The job holder needs to be at least a graduate in the Commerce stream. Should have handled documentation for at least 3-5 years,. Basic knowledge of MS Office and various systems used by CCU can be an added advantage.

Core Competencies

• Job Knowledge: The job holder needs to have thorough job knowledge of documentation and various corporate bank products and needs to know as to what is expected from him/her.
• Organising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadlines.
• Proactive: To understand the system implementations and grasp the changes faster.
• Communication Skills: The job holder needs to have effective verbal as well as written communication skills.
• Interpersonal Skills: The job holder needs to liaise with various stake holders including but not limited to RMs, Legal Compliance, Finance teams

Technical Competencies

The job holder needs to have the Basic knowledge of MS Office and various systems used by CCU. He/she should be well aquatinted with RBI as well as ECB norms for offshore lending and other regulation prescribed by various regulators from time to time.

Location: New Delhi Job: Risk Management Schedule: Regular Employee Status: Full time

DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.