Vice President, Team Lead, Collateral Manager, Risk Management Group

Job Purpose

Collateral Manager will be primarily responsible for the oversight & management of the valuation process of various types of properties undertaken as collateral securities, e.g. residential, commercial, industrial, etc. for two credit program portfolios under IBG 4- Credit Program (Small) and Credit Program (Medium) and for other programs in IBG 3 & 4 as necessary.

Key Accounatbilities And Requirements

• Adopt a dynamic risk management approach to pro-actively monitor the collateral valuation trends for various types of properties in different locations where DBS has taken / proposes to take properties as security.
• Keep a track of concentrations in type of collateral security or geography and highlight in case of any adverse changes in property rates in that area for corrective action
• Scrutinise valuation reports on a sample basis and check for appropriateness of valuation being provided by empanelled valuers.
• Manage day to day valuation related issues and provide technical support for decision on exceptions / deviations pointed out by empanelled valuer by factoring in nuances and working with key stakeholders to ensure robust risk management of the collateral valuation related issues.
• Review profile of valuers and provide necessary recommendations for empanelment.
  
  

Job Duties & Responsibilities

• To have a sound knowledge of the valuation process and trends in terms of risks associated with various types of properties, geographies and products.
• To have a working knowledge of the general Legal / regulatory framework in which the bank operates in India and apply the same.
• To apply knowledge of RBI Regulations/ MAS Guidelines that govern collateral valuations, including the Loan Grading, Provisioning and Asset Classification regulations and to update Local credit / Lending Policies as applicable.
• To comply with regulatory, audit and statutory requirements and assist in inspections and audit (external and internal) inputs in all credit areas pertaining to collateral title and valuation.
• To compile Management MIS / reports for Credit Committee, other forums, as applicable
• Conduct risk forum with business partners and follow up with system/ process enhancement, where required, to ensure robust collateral valuation process in DBS India.
• Provide views on empanelment of valuer / valuation agencies and support for approval by approving authority
• Provide credit support to CRM with requisite clarifications with respect to deviations / observations on Collateral valuation report, whenever required.
• Approve valuation deviations / exceptions in line with collateral policy, when approve authority is delegated
• Participate in and contribute to designated projects to improve credit processes and systems as a representative of RMG-IBG 3 and 4, India.
  
  

Experience

Non-Technical Experience

• Good interpersonal skills
• Good oral and written communication skills
  
  

Technical Experience

Relevant experience in financial institutions, preferably in SME / mortgage credit, with exposure in collateral valuation policy and processes

Minimum No. of Years

7-10 years of experience preferably in SME / mortgage credit, with exposure in collateral valuation policy and processes

Education / Preferred Qualifications

Diploma/ University Degree

Work Relationship

• Possess results-driven capability to work with service partners, such as CCU, BSU, CRMs, to ensure a seamless process flow for collateral valuation
• Display a high degree of team spirit and professionalism, and able to co-operate in a harmonious and productive manner with superiors, peers, subordinates, internal customers and external service providers
  
  

Location:

Vikhroli

Job:

Risk Management

Schedule:

Regular

Employee Status:

Full time