Business Function
Corporate and Investment Banking 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.
Job Purpose

• Review credit applications from corporate clients and make informed recommendations backed by sound assessment on the credit worthiness and risk profile of the business;
• Ensure adherence to internal and regulatory credit/other portfolio related policies
• Ensure strong credit portfolio through timely and effective credit assessment and monitoring
• To assist Relationship Managers (RMs) in managing the client and servicing their daily banking requirements

Responsibilities

• Interact with clients and gather information with regard to deal requirements & financial statements & other inputs for performing quality analysis and due diligence.
• Work with RM/product partners in developing credit solutions for the clients and ensuring the appropriateness of the products.
• Responsible for end-to-end credit process including
• Analysis of financial strength of counterparties;
• Analysis of market and sectors;
• Identification of risks and mitigants;
• Recommendation on risk recommending risk limits and risk ratings; obtaining approvals for credit proposals;
• Ensure compliance of all internal and regulatory credit/other portfolio related policies;
• Ensure timely submission of the credit reports;
• Monitor Risk Triggers, covenants and other credit conditions and report appropriately
• Day-to-day client management: To provide full support to RMs on clients’ daily inquiries, transactions, utilizations, documentation.
• Business development: To maintain strong relationships with the clients and assist RMs in influencing clients to maximise limits utilization and cross sell.
• Credit Management – To assist in the monitoring of credit quality of the portfolio and the review of credit facilities to clients if required.
• Others – To perform any other duties consistent with the role as assigned by management from time to time

Requirements

• Bachelor’s degree in business, accounting, economics, or finance. CFA certification a plus;
• At least 3 years experience in the Vietnam wholesale/large corporate banking industry; Previous experience as a credit analyst preferred;
• Knowledge of credit products, market trends, and/or loan procedures;
• Effective written/oral communications skills
• Ability to multi-task and handle demands according to urgencies and client expectations
• Strong analytical and critical thinking skills with ability to define problems, establish facts and synthesize conclusions
• Ability to research financial topics and present accessible reports on that research to colleagues with differing areas of expertise
• Ability to work in a team with team members from across geographies

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