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For Companies At a Glance
- Tasks: Manage credit risk for clients, approve transactions, and ensure compliance with bank policies.
- Company: Join a leading bank in London, committed to innovation and sustainability.
- Benefits: Enjoy competitive salary, generous leave, health insurance, and training opportunities.
- Why this job: Be part of a dynamic team, influence financial decisions, and contribute to ESG goals.
- Qualifications: Degree in Finance or related field; 5 years banking experience, preferably in credit risk.
- Other info: Opportunity for career growth and involvement in digitalisation and AI initiatives.
The predicted salary is between 43200 - 72000 £ per year.
As a Credit Approver you will:
- Approve/support/review transactions submitted by the Relationship Managers (‘RMs’) of London Branch including, as Group Risk Credit Manager (‘GCRM’), transactions with overseas subsidiaries of European corporates.
- Be responsible for monitoring the credit risk profile of a portfolio of clients across a number of industries - and for the correct classification of risk exposures - as allocated by the Team Lead.
- Ensure data accuracy of portfolio names in RMG-owned systems and databases.
- Liaise closely with Industry Team Heads and Executive Credit Risk Managers.
Job Responsibilities
- Ensure adherence to the Bank’s policies/guidelines in line with the Group framework and in compliance with the related Group policies/guidelines.
- Undertake, in the capacity of Credit Risk Manager, sound management of the credit risk of names assigned.
- Seek to uphold a high standard of Credit Reports and compliance with TMRACs.
- Liaise closely on risk matters with colleagues across the branch and senior RMG leaders in Singapore including, but not limited to, Executive Credit Risk Managers, and IBG Industry Team Heads.
- Keep abreast of market conditions and industry developments and monitor their impact on the DBSL portfolio, reacting promptly to negative news by initiating rating reviews and requiring analysis from the RM's.
- Provide input into ad-hoc assignments and contribute towards the achievement of business goals and strategic directions of the Bank.
- Actively contribute to the revision of existing policies, documentation, processes and portfolio management tools.
- Support the bank’s ESG targets, monitor clients’ transition readiness, keep abreast of digitalisation and AI initiatives within the bank.
- Assist in socialising new/amended risk policies and procedures to RMs to ensure compliance with Group’s credit policy and guidelines.
- Provide specific industry knowledge/support to RMG colleagues as requested.
Skills & Requirements
- University degree with major in Finance, Economics or Business.
- Minimum of five years experience in Banking preferred – at least part of which must have been in Credit Risk Management.
- Knowledge of high-end residential real estate lending principles would be an advantage.
- Competence in spoken and written English.
- Right to work in the UK and do not require sponsorship now or in the future.
- Results oriented team player with strong interpersonal and communication skills.
What We Offer
- A competitive salary (depending on experience) + annual discretionary bonus.
- 25 days annual leave (increasing to 27 days after 2 years continuous service) + bank holidays. You will also receive an additional paid day off for your Birthday.
- Health, Wellbeing and Life Assurance - generous pension scheme, Private Medical Insurance, Life Assurance, Income Protection, Annual Health Assessment, Employee Assistance Programme (EAP).
- Training & Development - Benefit from paid training sessions and various development opportunities.
Contact Detail:
DBS Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager (City Of London)
✨Tip Number 1
Network with professionals in the banking and finance sector, especially those who work in credit risk management. Attend industry events or webinars to connect with potential colleagues and learn more about the latest trends in credit risk.
✨Tip Number 2
Stay updated on market conditions and industry developments relevant to credit risk. This knowledge will not only help you in interviews but also demonstrate your proactive approach to understanding the role and its challenges.
✨Tip Number 3
Familiarise yourself with the bank's policies and guidelines related to credit risk management. Understanding these frameworks will allow you to speak confidently about how you can contribute to compliance and risk assessment during discussions.
✨Tip Number 4
Prepare to discuss specific examples from your past experience that showcase your ability to manage credit risk effectively. Highlight any achievements or improvements you've made in previous roles that align with the responsibilities of a Credit Risk Manager.
We think you need these skills to ace Credit Risk Manager (City Of London)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk management and banking. Emphasise your understanding of financial principles, particularly in relation to high-end residential real estate lending if applicable.
Craft a Strong Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention specific experiences that demonstrate your ability to manage credit risk and your familiarity with compliance and policy adherence.
Showcase Relevant Skills: Highlight your interpersonal and communication skills, as these are crucial for liaising with Relationship Managers and senior leaders. Provide examples of how you've successfully collaborated in previous roles.
Research the Company: Familiarise yourself with the bank's policies, ESG targets, and recent developments in the industry. This knowledge will help you tailor your application and prepare for potential interview questions.
How to prepare for a job interview at DBS Bank
✨Know Your Credit Risk Fundamentals
Make sure you brush up on your knowledge of credit risk management principles. Be prepared to discuss how you would assess and manage credit risk for various industries, as this will be crucial in demonstrating your expertise during the interview.
✨Showcase Your Analytical Skills
Prepare to provide examples of how you've used data analysis to monitor credit risk profiles in previous roles. Highlight any specific tools or methodologies you've employed to ensure data accuracy and effective risk classification.
✨Understand the Bank's Policies
Familiarise yourself with the bank’s policies and guidelines related to credit risk management. Being able to articulate how you would ensure compliance with these policies will show that you are aligned with the bank's operational framework.
✨Demonstrate Strong Communication Skills
Since the role involves liaising with various teams and stakeholders, practice articulating your thoughts clearly and confidently. Prepare to discuss how you’ve effectively communicated complex risk matters in the past, as strong interpersonal skills are key for this position.
