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Senior associate, Generalist, Business Support Unit, SME Banking

DBS Bank
Chennai, IND
Full-time
Mid-Senior
Onsite
Discovered 1 months ago
Legal documentationMortgage processesCredit operationsLoan disbursementPost-disbursement operationsMS Office

Full Job Posting

Job Purpose

Lead documentation and credit-related services within the Business Support Unit for large, mid-market, and SME segments.

Oversee loan application disbursements and complex post-disbursement activities.

Contribute to policy development and process enhancements.

Documentation and Mortgage Operations

  • Draft, review, execute, check, and approve offer letters and facility documents for IBG 3 and 4 customers.
  • Ensure documents comply with approved credit and business terms, Master LO templates, and Group Legal and Product Owner guidelines.
  • Maintain security-document templates for hypothecation, cash margin, and mortgage instruments.
  • Coordinate with the Credit Control Unit to complete security-document processes.
  • Oversee mortgage security creation, perfection, enforcement, desktop valuations, and collateral audits.
  • Identify and mitigate legal and documentation-related risks.

Process Improvement and Efficiency

  • Analyze documentation and credit processes for inefficiencies, manual dependencies, and error-prone areas.
  • Lead automation and technology-enabled process improvements.
  • Re-engineer loan disbursement and post-disbursement workflows from initiation to closure.
  • Manage legal and valuation agencies to support timely reporting and issue resolution.
  • Drive closure of insurance, internal covenant, and other critical exception items.
  • Manage external vendors, payments, and disputes to prevent operational delays.
  • Establish and monitor KPIs for operational efficiency and turnaround time.

Stakeholder Management

  • Liaise with relationship managers, credit heads, CCU leadership, operations, product, legal, compliance, and finance teams.
  • Manage relationships with BSU head office, vendors, senior legal counsel, valuers, and corporate customers.
  • Handle escalations relating to post-disbursement documents and critical exception tracking.
  • Mentor junior team members in documentation and credit operations processes.

Technical Competencies

  • Strong knowledge of legal documentation and mortgage processes is required.
  • Advanced knowledge of MS Office, core banking systems, document management systems, and credit services platforms is required.
  • Proficiency in systems related to legal documentation and mortgage processes is required.
  • Experience with data analytics tools is an advantage.

Location and Employment

  • Location: Chennai, DBIL.
  • Employee status: Full time.
  • Schedule: Regular.

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