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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 or related field; 5 years banking experience preferred.
- Other info: Opportunity to work in a collaborative environment with global exposure.
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.
Contact Detail:
DBS Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager
✨Tip Number 1
Network with professionals in the banking and credit risk sectors. Attend industry events or webinars to connect with potential colleagues and leaders in the field. This can help you gain insights into the company culture and expectations.
✨Tip Number 2
Stay updated on current market conditions and trends in credit risk management. Being knowledgeable about recent developments will not only prepare you for interviews but also demonstrate your commitment to the role.
✨Tip Number 3
Familiarise yourself with the specific policies and guidelines of the bank, especially those related to credit risk management. Understanding these will allow you to speak confidently about how you can contribute to compliance and risk assessment.
✨Tip Number 4
Prepare to discuss your experience with portfolio management and credit risk analysis in detail. Be ready to provide examples of how you've successfully managed risk in previous roles, as this will be crucial in showcasing your suitability for the position.
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 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 industry standards and policies.
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.
Proofread Your Application: Before submitting, carefully proofread your application materials. Ensure there are no grammatical errors or typos, as attention to detail is vital in the finance sector.
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 role requires a solid understanding of different market conditions.
✨Demonstrate Your Analytical Skills
Prepare to showcase your analytical abilities during the interview. You might be asked to analyse a case study or provide insights on how you would handle specific credit risk scenarios. Practice articulating your thought process clearly.
✨Familiarise Yourself with the Bank's Policies
Research the bank’s policies and guidelines related to credit risk management. Being able to reference these during your interview will demonstrate your commitment and understanding of the organisation's framework.
✨Highlight Your Interpersonal Skills
As a Credit Risk Manager, you'll need to liaise with various teams. Be ready to discuss examples of how you've successfully collaborated with others in the past, showcasing your strong communication and teamwork skills.
