AVP/VP - Relationship Manager, Midcap, Institutional Banking Group

DBS Bank Ltd; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

DBS Asia Central is seeking a Relationship Manager to manage a portfolio of midcap corporate clients, providing a full range of commercial banking products and services, from cash management to working capital finance. The role is based in Singapore and requires 4–6 years of relevant sales experience in commercial banking.

The ideal candidate will possess strong credit risk awareness, the ability to structure deals, and a track record of developing borrowing relationships to grow revenue.

Qualifications

• University degree with 4 to 6 years of relevant experience in sales within the commercial banking space, handling midcap corporates.
• Good understanding of credit risks and ability to independently discuss with credit/risk management teams would be preferable.
• Knowledge of corporate and investment banking products including cash management, current accounts, time deposits, trade finance, working capital finance, loans, M&A.

Responsibilities

• Provide corporate customers with a full range of commercial banking products and services, including cash management, current accounts, time deposits, trade finance, working capital finance, term loans, bancassurance and FX.
• Solicit and develop new borrowing relationships, warm lead referrals from existing borrowers and / or Relationship Managers’ contacts.
• Customer relationship management to spot new business opportunities, understand customers’ requirements, structure deals and evaluate credit risks.
• Proactive management, supervision and monitoring of an existing pool of borrowing accounts to achieve optimum utilization rate and profitability.
• Timely submission of credit reviews and escalation to senior bankers when needed; monitor credit deterioration or improvement.
• Implement and execute Mid Cap business strategy to increase market share and achieve targets.

Skills

Relationship management

Sales

Credit risk awareness

Education

University degree

Job description

Business Function

DBS Institutional Banking Group provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.

Responsibilities

• Provide corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans, bancassurance and foreign exchange.
• Solicit and develop new borrowing relationships, warm lead referrals from existing borrowers and / or Relationship Managers’ contacts;
• Customer relationship management to spot new business opportunities, understand customers’ requirements, structure deal and proper evaluation of credit risks including identifying significant risks and mitigating factors to achieve a balance stance for the customer and bank;
• Proactive management, supervision and monitoring of an existing pool of borrowing accounts to achieve optimum utilization rate and profitability.
• Timely submission of credit review, being alert to credit deterioration or improvement, and taking timely action (including elevation to senior bankers and credit);
• Implement & execute Mid Cap business strategy to increase market share & to achieve targets consistent with Mid Cap revenue, ROE & Cost / Income ratio targets and risk control & compliance.

Requirements

• University degree with 4 to 6 years of relevant experience in sales within the commercial banking space, handling midcap corporates
• Good understanding of credit risks and ability to independently conduct discussions with credit / risk management teams would be preferrable
• Good knowledge of various corporate and investment banking products including cash management services, current accounts, time deposits, trade finance, working capital finance, loans, M&A
• Ability to solicit and develop new borrowing relationships
• Proficiency in customer relationship management to spot new business opportunities, understand customers’ requirements, and structure deals.
• Ability to properly evaluate credit risks, including identifying significant risks and mitigating factors to achieve a balanced stance for the customer and bank.
• Competence in proactive management, supervision, and monitoring of an existing pool of borrowing accounts to achieve optimum utilization rate and profitability.
• Strong sense of commitment and accountability, possess a business focus mindset, self-motivated to deliver work of the highest standard; energetic, service oriented and highly motivated

Location:

DBS Asia Central

Job:

Relationship Management

Schedule:

Regular

Employee Status:

Full time