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

Business Function

Job Purpose

Key Accountabilities

• Source new-to-bank asset relationships within the IBG4 segment up to the stated turnover threshold and follow bank lending policy.
• Generate net interest income and fees through cross-selling trade, liabilities, cash, treasury, and other products.
• Increase branch profitability and maintain portfolio quality with no delinquencies targeted.
• Execute IBG4 strategy, grow market share, diversify the portfolio, and reduce concentration risk.
• Build DBS brand value and local networks through marketing activities, collaborations, and events.
• Follow bank processes and policies and support positive country and group audit ratings.

Job Duties and Responsibilities

• Source asset relationships, coordinate sanction and disbursement, and work with customer, risk, and operations teams.
• Cross-sell asset, trade, cash, and treasury products and achieve budgeted product revenues.
• Conduct due diligence and create account plans covering revenue potential, risks, and mitigants.
• Explore cross-selling opportunities to increase customer wallet share.
• Monitor accounts, track business developments and early warning signals, and ensure timely renewals.
• Ensure credit covenants, conditions, KYC/AML requirements, and bank policies are followed.
• Provide MIS and report material business opportunities and industry or customer risks to senior management.
• Complete assigned learning programs and maintain contact with local business stakeholders and market participants.

Requirements

• 3–5 years of overall sales experience is required.
• 2–3 years of SME or business banking lending sales experience is required.
• 2–3 years of working capital sales and service portfolio experience is required.
• A proven asset-business sales record in the SME or business banking segment is required.
• Competitor and marketplace knowledge is required.
• SME market knowledge and experience are preferred.

Education and Competencies

• A bachelor's degree in Finance, Economics, or Commerce, an MBA, or CA qualification is preferred.
• Excellent communication and listening skills and good sales and negotiation skills are required.
• Working capital finance knowledge is required.

Culture and Behaviors

Employment

• The listed employee status is full time, with a regular schedule.