At a Glance
- Tasks: Analyse credit for large corporate clients and manage relationships in a dynamic banking environment.
- Company: DBS, a top-tier bank recognised globally for innovation and safety.
- Benefits: Competitive salary, career growth, and the chance to work with leading financial experts.
- Other info: Exciting opportunities for travel and collaboration within a global network.
- Why this job: Join a high-performance team and make an impact in corporate banking across Europe and Asia.
- Qualifications: Minimum three years in corporate banking with strong credit analysis skills.
The predicted salary is between 36000 - 60000 £ per year.
About DBS
DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank’s “AA-” and “Aa1” credit ratings are among the highest in the world. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 14 consecutive years from 2009 to 2022.
DBS has had a presence in the City of London since 1981, acting as a long-standing gateway to Asia for our European based Corporate, Financial and Private Wealth clients, providing insight and connectivity into our core markets. With over 170 employees, DBS London continues to grow and expand, offering a wide range of products and services through our teams in Institutional Banking Group, Global Transactions Services, Global Financial Markets, and Wealth Management.
Purpose of the Role
A new role exists at the senior associate level as a credit analyst in the Corporate Banking Europe team at DBS London, which focuses on Large Corporate clients, including relationship management, credit analysis, business development, risk control, managing documentation completion and compliance. The successful candidate should have a minimum of three years’ experience within a corporate banking role, with strong credit analysis and inter-personal skills which will be key to success in the role. They will work within a growing corporate banking team, with a strong emphasis on team collaboration, and a remit to expand the existing portfolio. It is an exciting opportunity to work in a high-performance and dynamic team at a top tier bank, with a focused strategy on developing our franchise in Asia, through our relationships with European Large Corporate clients.
Key Accountabilities
- Maintain and improve relationships with the large multi-national corporate client base and broaden market and corporate knowledge.
- Strong focus on identifying additional earning opportunities through a thorough knowledge of the client, the sector and the Bank’s product capabilities.
- To provide strategic and marketing support to Relationship Directors.
- Contributing to ensure the annual team income budget is met or surpassed.
- Ensuring the satisfactory credit profile of the portfolio, through production of concise credit analysis in a timely manner for review by the credit risk team and on-going risk monitoring.
- To be aware of structural risk and documentary issues and be able to execute, monitor and respond to such issues over the lifetime of facilities.
- Ensuring compliance with regulations and bank internal policies and procedures, including Know-Your-Customer requirements.
Job Duties & Responsibilities
Credit:
- Structuring accurate, concise and comprehensive credit applications and annual credit reviews, through assessment of a company’s financials, strengths and weaknesses together with industry analysis, in line with DBS risk parameters as part of an overall risk return assessment.
- To provide ongoing risk monitoring of the client portfolio, including analysis of financial information, financial covenant performance and stress testing where appropriate.
- Ensure effective execution of all facilities post credit approval including legal documentation review and negotiation.
- Documentary support post facility close including management of amendments, waivers and related issues.
- Ensure good working knowledge of DBS credit policies and procedures.
Relationship:
- Relationship management of existing large multi-national corporate clients, ensuring that maximum returns are generated in line with credit approval parameters.
- Being available for travel to Europe and Asia will be involved.
- To provide relationship manager client support and business development activity, as well as client administration and documentation.
- Build good working relationships, and ensure good co-operation with other departments, including cross-border with colleagues in our Singapore head office, and throughout the DBS network.
- Provide timely response and resolution to client and colleague queries/problems.
Compliance:
- Ensure compliance with internal and external regulations, policies and guidelines.
Please note to apply for this role you must have the right to work in the UK and do not require sponsorship now or in the future.
Credit Analyst in City of London employer: DBS Bank
DBS Bank is an exceptional employer, offering a dynamic work environment in the heart of London where innovation meets tradition. Employees benefit from a strong focus on professional development, with ample opportunities for growth and advancement within the Natural Resources Banking sector. The collaborative culture fosters creativity and encourages team members to build meaningful relationships while achieving ambitious goals.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst in City of London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like DBS Bank. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Analyst in City of London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to DBS Bank.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on DBS Bank's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at DBS Bank
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with DBS Bank.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at DBS Bank will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former DBS Bank employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
