DBS Bank Jobs 2011 – Credit Analyst Mumbai

Job Seeker Profile

Key Accountabilities

1) To use strong credit analysis techniques, which highlight all significant risks in relation to a lending proposition, for evaluation and recommendation of the proposals in the areas of Corporate Credit, FIG and EB.

2) To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.

3) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.

To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.

Education Level: Bachelor Degree

Job Function: Administration / Support

Job Location: India – Mumbai

Job Type: Full Time, Permanent

Job Description

Job Duties and Responsibilities

1. To assist the Credit Approvers in establishing new credit evaluation tools and techniques, learn the usage and help other CMs and ABs to smoothly move into the new methodologies

2. To assist the Credit Approvers in setting up appropriate credit processes within the Credit departments including linkages with Credit admin, RMs, etc.

3. To assist the Credit Approvers to achieve a Nil NPL position in all areas of lending (CIB, FIG and EB) and in managing exit relationships.

4. To check the accuracy of financial data presented in credit memos and also give studied and balanced credit opinions on lending propositions, with a quick turnaround.

5. To develop credit evaluation skills for CIB, FIG & EB till the respective headcount is put in place

6. To actively monitor the allocated portfolio for ensuring compliance to financial covenants and keep abreast of company performance and industry developments.

7. To assist in getting proposals sanctioned/recommended within specified TATs (including responses to queries from HO, follow-up for approval, etc).

Regulatory/Monitoring Aspects

8. To assist the Credit Approvers in maintaining compliance with regulatory, audit and statutory requirements.

To assist the Credit Approvers in inspections and audit (external and internal) inputs in all credit areas, along with compliances.


We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognizes your achievements.

Company Profile


DBS is one of the largest financial services groups in Asia with operations in 16 markets. Headquartered in Singapore, DBS is a well-capitalised bank with “AA-” and “Aa1″ credit ratings that are among the highest in the Asia-Pacific region.

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