Senior Associate, Credit Analyst PTC, Priority Sector Lending presso DBS Bank India

Purpose

To support Relationship Management teams in the following activities,

• Carry out the assessment of Originator / Servicer to meet the bank’s TMRAC to undertake PTC transactions.
• Understanding originator business, portfolio and data gathering for underwriting process.
• Preparation of Pre-screener on the Originator / Servicer if it is NTB
• Preparation and submission of Credit Memo to RMG
• Undertaking assessment on Originator’s portfolio cuts data to arrive at a pool selection parameters to carry out PTC transaction.
• Undertaking pool assessment which is cheery picked from the originator’s submitted pool.
• Liaising with rating agency/trustee/originators for data requirements for undertaking assessment on shortlisted pool.
• Assisting RM in execution of entire PTC transaction
• Monitoring the monthly payout report as submitted by the trustee
• Support RM to carry out pool due diligence pre/post transaction execution.
• Highlighting any early warning signs of the PTC portfolio to the RMs
• Manage the existing portfolio of all clients for the designated relationship teams

Key Accountabilities

• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Originator/trustee/rating agencies to ensure that PSL deliverables (specific to Securitisation sector business) are met.
• Need-based meeting with Originators/rating agencies/trustee to understand business and attendant risks.
• To monitor PTC portfolio for irregularities/ excesses/ breaches/ delays.
• Ensure assistance to RM for external & internal audits.
• Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
• Monitor and ensure adherence to risk service standards

Job Duties & Responsibilities

• Preparing originator’s financial spreads which are consistent, error-free and in line with classification parameters used in DBS.
• Providing concise and relevant financial analysis by clearly identifying risks.
• Ensure supervision reviews are completed prior to due date and are error free.
• Interact and follow up with originators on required information and clarifications.
• Adhere to the risk management guidelines of DBS, MAS and RBI.
• Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of Securitisation industry.
• Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets.

Requirements

• Overall 5-8 years of experience in credit risk analysis, documentation and sales support activities.
• Proven sales track record in asset business in the Securitisation business.
• Thorough knowledge of Securitisation ecosystem. Key players, intermediators, Legal issues & regulations
• An MBA or CA with relevant number of years of experience in banking and specifically in Securitisation space.