About the Role

The Portfolio Manager is responsible for underwriting and directly managing individual loans to US Corporates. From time to time, the PM will be assigned certain projects and other responsibilities at the direction of the Country Head and Portfolio Director.

Key Accountabilities

Ensure that new credit proposals and amendments to existing loans are adequately analyzed and presented in accordance with DBS policy
Manage the closing of new and modified credit facilities
Ensure that the risk profile of each assigned Borrower is adequately reflected by its Risk Grade and any required changes are made on a timely basis
Provide ongoing financial analysis of assigned Borrowers to ensure that changes to the risk profile of each Borrower is communicated to local management in a timely basis
Ensure that Supervision and Group Reviews and other reporting and compliance are completed on a timely basis.

Job Responsibilities

Principal Responsibility No. 1 - Underwriting

Working with RM in initial screening, including the preparation of spreads, risk grading, identification of risks, construction of the approval path, and assisting IBG Support and the RMs in the calculation of ROEs.
Diligence the Borrower’s background, financial position, business model, industry, and competitive position, as well as the identification of risks and mitigants.
A thorough review of any proposed loan structure to ensure that it appropriately protects DBS given the identified business risks
Preparation of concise credit memorandum that clearly communicates the lending rational, business risks and structural considerations.
Perform appropriate review of loan documentation and co-ordination of closing tasks among CCU and the Loan Operations team. This responsibility includes ensuring prompt compliance with all DBS underwriting requirements.

Principal Responsibility No. 2 - Monitoring and Compliance

Performing ongoing analysis of Borrower’s business and financial profile. Key financial metrics and any items that materially impact the Borrower’s risk profile must be tracked in a central location and be accessible to the RM and local Management.
Monitor your assigned Borrowers to ensure appropriateness of Risk Grades. Work with CCU and Loan Operations team to ensure assigned Borrowers remain in compliance with terms of credit.
Complete Supervision and Group Reviews on assigned Borrowers. This involves proactive communication with RM and local management to ensure adequate lead time to ensure review and approval on a timely basis.
Ensuring the maintenance of credit files (both electronic and physical) in an orderly manner consistent with DBS policy.
Assist with special projects that may arise from time-to-time.

Qualifications

Bachelor Degree, preferably in Accounting, Finance, or Business Administration

Required Skill

At minimum, prior 6-8 years of experience in banking/finance
Ability to work effectively with different groups
Independent and motivated, team player
Strong writing and communication skills

Equal Opportunity Statement

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation, gender identity), national origin, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law. We are committed to providing reasonable accommodations to individuals with disabilities and disabled veterans in accordance with applicable law.

DBS Bank

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Portfolio Manager