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For Companies At a Glance
- Tasks: Manage credit risk for clients, ensuring compliance and accuracy in reporting.
- Company: Join a leading bank focused on innovative financial solutions and sustainability.
- Benefits: Enjoy competitive salary, generous leave, health perks, and training opportunities.
- Why this job: Be part of a dynamic team impacting financial decisions and supporting ESG goals.
- Qualifications: Degree in Finance, Economics or Business; 5 years banking experience preferred.
- Other info: Opportunity to work with cutting-edge 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 and, 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 RMs.
- 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.
Credit Risk Manager employer: DBS Bank
Contact Detail:
DBS Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management and the specific industries you’ll be working with. This knowledge will not only help you during interviews but also demonstrate your proactive approach to understanding the role.
✨Tip Number 2
Network with professionals in the banking and finance sector, especially those who work in credit risk management. Attend industry events or join relevant online forums to make connections that could lead to valuable insights or referrals.
✨Tip Number 3
Prepare to discuss your experience with compliance and policy adherence, as these are crucial for the role. Think of specific examples where you've successfully navigated complex regulations or improved processes in your previous positions.
✨Tip Number 4
Showcase your ability to work collaboratively by preparing examples of how you've liaised with different teams or departments in past roles. Highlighting your interpersonal skills will be key, as this position requires close collaboration with various stakeholders.
We think you need these skills to ace Credit Risk Manager
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 the responsibilities outlined in the job description.
Craft a Strong Cover Letter: Write a cover letter that specifically addresses the key responsibilities of the Credit Risk Manager role. Mention your experience with credit approvals, portfolio management, and adherence to policies, showcasing how you can contribute to the team.
Highlight Relevant Skills: In your application, focus on skills such as data accuracy, communication, and teamwork. Provide examples of how you've successfully collaborated with colleagues and managed credit risks in previous roles.
Show Industry Knowledge: Demonstrate your understanding of market conditions and industry developments related to credit risk. Mention any specific knowledge you have about high-end residential real estate lending or ESG targets, as this will set you apart from other candidates.
How to prepare for a job interview at DBS Bank
✨Know Your Credit Risk Fundamentals
Brush up on your knowledge of credit risk management principles, especially those relevant to the banking sector. Be prepared to discuss how you would assess and manage credit risk for various industries, as this will demonstrate your expertise and suitability for the role.
✨Familiarise Yourself with the Bank's Policies
Make sure you understand the bank's policies and guidelines related to credit risk management. During the interview, refer to these policies when discussing your approach to risk assessment and management, showing that you align with the bank's framework.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions where you may need to analyse a hypothetical credit risk situation. Practice articulating your thought process clearly and logically, as this will showcase your analytical skills and decision-making abilities.
✨Highlight Your Interpersonal Skills
As a Credit Risk Manager, you'll need to liaise with various teams and stakeholders. Be ready to share examples of how you've successfully collaborated with others in previous roles, emphasising your communication and teamwork skills.
