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