Associate, Relationship Manager, Credit Program Medium, Small Medium Enterprises

You will be responsible for acquiring and building a diversified portfolio within the IBG 4 segment to generate revenue from various sources such as assets, trade, cash, treasury, and fees. Your portfolio should lead to healthy income while maintaining an acceptable risk level for the bank. As a Relationship Manager, you are expected to adhere to the lending guidelines set by the bank. **Key Accountabilities:** - Source new asset relationships within the IBG 4 segment according to the bank's lending policy. - Ensure a good net interest income and fees across the portfolio through cross-selling of trade, liabilities, cash, treasury, etc. - Play a key role in increasing the profitability of the business. - Monitor the portfolio effectively to maintain delinquencies at zero. - Implement and execute the IBG 4 business strategy to increase market share and achieve targets. - Build DBS brand value and expand the network through marketing activities and collaborations. - Comply with the bank's processes and policies to maintain positive ratings during audits. **Job Duties & Responsibilities:** - Source new asset relationships within the IBG 4 segment and ensure sanction and disbursement in alignment with the lending policy. - Actively cross-sell liability, trade, cash, and treasury products. - Achieve budgeted revenues through all product parameters. - Conduct proper due diligence while onboarding new assets. - Maintain strict adherence to KYC/AML requirements. - Provide MIS reports to the central team within the guidelines. - Complete learning programs as assigned by DBS. - Stay connected with local business stakeholders to stay updated on market practices and intelligence. - Report business opportunities and industry/customer risks to senior management regularly. **Requirements:** - 3-7 years of sales experience with 2-3 years in SME/Business Banking Lending. - Proven track record in asset business within the SME/Business Banking segment. - Knowledge of competitors, marketplace, and SME segment preferences. **Education/Preferred Qualifications:** - 3-7 years of sales experience. - 2-3 years of sales experience in SME/Business Banking Lending. - Proven sales track record in asset business within the SME/Business Banking segment. - Knowledge of competitors and marketplace. - Market knowledge and experience in the SME segment. **Core Competencies:** - Excellent communication and listening skills. - Good sales and negotiation skills. **Technical Competencies:** - Working capital finance knowledge. Apply Now to join our team and enjoy a competitive salary, benefits package, and professional growth opportunities in a dynamic environment.,