Analyst - Generalist, Business Support Unit, SME Banking

Business Function

DBS Institutional Banking Group (IBG) provides corporate customers with a comprehensive range of banking products and services, including cash management, trade finance, working capital financing, term loans and foreign exchange solutions. Business Support Unit (BSU) within IBG COO, is a strategic operations partner to the Institutional Banking Group, enabling the delivery of efficient, well-controlled and client-centric lending services. As a centralised team, BSU provides end-to-end operational support across the corporate lending lifecycle, encompassing loan application processing, preparation of customer and facility documentation, post-acceptance document verification, and loan servicing administration. By combining operational excellence with strong governance and risk discipline, BSU plays a critical role in supporting business growth, enhancing process efficiency, and delivering a seamless experience for both clients and stakeholders.

Key Responsibilities

Loan Application Processing & Financial Analysis

• Process corporate loan applications across a broad range of products, including SME working capital and business loans, bankers’ guarantees, trade and foreign exchange facilities, overdrafts, commercial and industrial property loans, equipment financing and corporate credit cards.
• Prepare accounting spreads and analyse corporate financial statements to support credit evaluation.

Documentation, Controls & Policy Compliance

• Review loan applications and supporting documents to ensure completeness, accuracy and compliance with applicable policies and procedures.
• Interpret and consistently apply relevant policies, procedures and operational requirements in day-to-day processing.
• Follow up promptly with Relationship Managers and Branch Officers on outstanding documents and information.
• Perform accurate data entry and validation in credit systems to support credit evaluation and the timely maintenance of the Bank’s records.

Stakeholder Coordination & Service Delivery  

• Collaborate with team members to ensure requests are processed accurately and within agreed service-level standards.
• Partner with relevant business and support units to manage exceptional requests, resolve operational issues and deliver a seamless experience for customers.

Management Information & Reporting

• Maintain accurate and up-to-date management information and operational records.
• Prepare and submit accurate weekly and monthly management reports within established timelines.

Projects & Continuous Improvement

• Support process enhancement, automation, digitalisation, user acceptance testing and system implementation initiatives.
• Identify opportunities to streamline processes, enhance productivity and strengthen operational controls.
• Leverage approved digital solutions and Generative AI tools responsibly, in accordance with the Bank’s policies and controls, to improve operational efficiency and service delivery.

Skills & Attributes

• Strong analytical and problem-solving skills, with sound judgement and the ability to assess information and documentation accurately.
• Meticulous and well organised, with a strong commitment to accuracy, compliance and service excellence.
• Demonstrates a strong sense of ownership and accountability in delivering timely, high-quality outcomes.
• Effective written and verbal communication skills, with the ability to collaborate constructively with teams and stakeholders.
• Ability to manage competing priorities and deliver effectively in a fast-paced environment.
• Adaptable and curious, with a strong commitment to continuous learning and improvement.
• Digitally minded and open to leveraging automation and Generative AI tools responsibly to enhance productivity and operational efficiency.

Requirements

• Degree or diploma in Banking, Finance, Business Administration or a related discipline.
• At least two years of relevant experience in corporate banking operations, loan processing, credit administration or a related field.
• Good knowledge of corporate banking products, lending processes and operational controls.
• Basic accounting knowledge and the ability to analyse corporate financial statements.
• Proficiency in Microsoft Office applications and the responsible use of approved Generative AI tools to support productivity, analysis and documentation.
• Strong attention to detail, organisational and time-management skills, with the ability to manage competing priorities and meet tight deadlines.
• Collaborative team player with the ability to work effectively towards shared goals.

Location:

DBS Asia Hub

Job:

Operations

Schedule:

Regular

Employee Status:

Full time