Senior Associate, Team Lead, Credit Approval, Risk Management Group

• Adopt a dynamic risk management approach to pro-actively monitor the collateral valuation trends for various types of properties in different locations where DBS has taken / proposes to take properties as security
• Keep track of concentrations in type of collateral security or geography and highlight in case of any adverse changes in property rates in that area for corrective action
• Scrutinise valuation reports on a sample basis and check for appropriateness of valuation being provided by empanelled valuers
• Manage day to day valuation related issues and provide technical support for decision on exceptions / deviations pointed out by empanelled valuer by factoring in nuances and working with key stakeholders to ensure robust risk management of the collateral valuation related issues
• Review profile of valuers and provide necessary recommendations for empanelment
• Provide credit support to CRM with requisite clarifications with respect to deviations / observations on Collateral valuation report, whenever required
• Comply with regulatory, audit and statutory requirements and assist in inspections and audit (external and internal) inputs in all credit areas pertaining to collateral title and valuation
• Approve valuation deviations / exceptions in line with collateral policy, when approval authority is delegated
• The candidate should have relevant experience in banks / financial institutions, preferably in SME / mortgage credit, with exposure in collateral valuation policy and processes. Additionally, the candidate should have good inter-personal and communication skills (written / oral)
  

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