Senior associate, Generalist, Business Support Unit, SME Banking

Business Function

Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans, and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development, and rigorous credit standards.

Job Purpose

This senior position in the Business Support Unit (BSU) is responsible for leading the provision of documentation and credit-related services, overseeing the efficient processing of loan application disbursements, and managing complex post-disbursement activities. The role also involves contributing to policy development and process enhancements for all Business Segments that is Large Mid and SME

Key Accountabilities

Fulfil all responsibilities in relation to:

Strong Knowledge of Legal Documentation and Mortgage Processes

This requirement is critical for the senior BSU professional, as the role inherently involves extensive interaction with various legal and security documents. It signifies an in-depth understanding of:

Offer Letters and Facility Documents: Expertise in drafting, reviewing, and executing these documents for IBG 3&4 customers, ensuring strict adherence to approved credit and business terms, Master LO templates, and guidelines from Group Legal and Product Owners. This includes acting as a primary checker and approver.In-house Security Documents: Comprehensive knowledge of various security instruments such as Hypothecation, Cash Margin, and Mortgage. This extends to developing, refining, and maintaining templates for these documents in line with approved credit memos and collaborating with the Credit Control Unit (CCU) for process completion.Regulatory Compliance: A thorough grasp of the legal and regulatory frameworks governing corporate banking products, credit operations, and loan administration, ensuring all documentation complies with internal and external standards.Mortgage-Specific Expertise: Given the mention of "mortgage processes," the candidate must possess specialized knowledge of the legal intricacies involved in mortgage-backed loans, including creation, perfection, and enforcement of mortgage securities, and related documentation. This includes overseeing desktop valuations and collateral audits.Risk Mitigation: The ability to identify potential legal and documentation-related risks and implement strategies to mitigate them, contributing to a robust credit risk management framework.

Proven Experience in Process Streamlining and Automation

For a senior position, this goes beyond mere participation in process improvements. It requires a demonstrable track record of leadership in transforming operational workflows to achieve greater efficiency and accuracy. This involves:

Identifying Bottlenecks: The capability to analyze existing documentation and credit-related processes within the BSU, identifying inefficiencies, manual dependencies, and areas prone to errors.Designing and Implementing Solutions: Proposing, developing, and leading the implementation of innovative solutions, potentially leveraging technology, to automate repetitive tasks, reduce manual intervention, and enhance process flow. This could include enhancements to document management systems or integration with core banking platforms.Optimizing Workflows: Re-engineering end-to-end processes related to loan application disbursement and post-disbursement activities, ensuring seamless execution from initiation to closure.Technological Proficiency: Leveraging advanced knowledge of MS Office, core banking systems, document management systems, and credit services platforms, with an added advantage for experience in data analytics tools, to drive automation initiatives effectively.Change Management: Leading and guiding teams through process changes, ensuring smooth adoption of new systems and workflows, and fostering a culture of continuous improvement.

Ability to Drive Operational Efficiency and Reduce Turnaround Time (TAT)

This requirement emphasizes the candidate's strategic and results-oriented approach to BSU operations. It implies a direct impact on the unit's productivity and responsiveness:

Strategic Oversight: The ability to oversee and optimize all miscellaneous activities related to disbursement across various product offerings, consistently identifying areas for process improvement that directly impact efficiency.Timely Report Submissions: Strategically managing and coordinating with Legal and Valuation agencies to ensure timely submission of reports and resolution of complex issues, which directly impacts TAT for loan processing.Expedited Exception Closure: Driving the resolution of critical exception items (e.g., Insurance, Internal covenants) through proactive .