Senior Officer, Relationship Manager, Credit Program

You will be responsible for acquiring and building a well-diversified portfolio within the IBG 4 segment. The portfolio should generate revenue from various sources such as assets, trade, cash, treasury, and fees, ensuring a healthy income with acceptable risk to the bank. As a Relationship Manager, you are expected to adhere to the lending guidelines set by the bank. Your key accountabilities will include sourcing new asset relationships within the IBG 4 segment, ensuring a good net interest income and fee generation across the portfolio, playing a vital role in increasing the profitability of the branch, monitoring the portfolio diligently to maintain delinquencies at a minimum, and executing the IBG4 business strategy to enhance market share while reducing concentration risk. Your job duties will involve sourcing new asset relationships within the IBG 4 segment according to the bank's lending policy, actively cross-selling liability, trade, cash, and treasury products, achieving budgeted revenues through various product parameters, conducting proper due diligence during onboarding, monitoring the portfolio regularly, and ensuring timely renewals of accounts. You will need to work closely with the monitoring team for early warning signals, maintain strict adherence to KYC/AML requirements, provide MIS reports to the central team, complete learning programs assigned by DBS, and stay updated on market practices and local intelligence by engaging with business stakeholders. To be successful in this role, you should have 3-5 years of experience in sales, with at least 2 years in SME/Business Banking Lending. A proven track record in asset business within the SME/Business Banking segment is essential, along with knowledge of competitors and the marketplace. A bachelor's degree in finance/economics/commerce or an MBA/CA is preferred. Your core competencies should include excellent communication, listening, sales, and negotiation skills, while technical competencies in working capital finance will be beneficial. Demonstrating DBS's core values, focusing on customer satisfaction, and maintaining the highest standards of honesty and integrity are key aspects of this role. DBS is dedicated to fostering a culture of inclusivity, professional development, and continuous improvement. If you are looking for a dynamic environment that supports your growth and recognizes your achievements, this position offers a competitive salary and benefits package. Apply now to be part of a team that values your contributions and offers opportunities for personal and professional advancement.,