• Well Established Company
• Basic $6000 to $7000 + AWS + VB
• Working location: Hougang
• Working hours: Monday to Friday (8:30am to 5:30pm)
• BIPO Human Resource Management System

Job Responsibilities:

The Human Resources Manager is responsible for the whole spectrum of human resources tasks, including recruitment, on-boarding, coaching, performance management, compensation & benefit, employee engagement and compliance initiatives. Be leading a HR/Admin team, you shall act as a business partner to provide quality HR/Admin support to optimise people, structure, policies and processes in line with business’ objectives.

• Manage monthly payroll process as well as salary reviews and bonus payments, ensuring alignment with staff work performance. Ensure compliance and timely submission of monthly CPF and Tax filings for all employees.
• Liaise and correspond with various government and statutory boards for all HR-related issues, including surveys, e-submissions, and employee statistics for government reporting.
• Oversee the full cycle of recruitment activities, lead efforts to hire and onboard new employees for vacant positions, and conduct new employee orientation.
• Lead and facilitate performance management systems for performance appraisals, annual increments, dispute handling, and talent retention
• Manage the employment exit processes and conduct exit interviews to identify the reasons behind employee separations.
• Develop employee relations practices that foster engagement, enhance morale, and provide management direction and counselling regarding policies, and procedures.
• Continuously review HR policies, procedures, and the company handbook to align with the labour legislation and future business needs, while maintaining a competitive pay and benefits structure to enhance productivity and process efficiency.
• Investigate workplace accidents and prepare reports for the insurance carriers.
• Manage the HR/Admin team to provide general support, including supplies, office equipment, and facilities maintenance
• Co-manage the maintenance of office premises maintenance including lease agreement and usage.
• Renew company insurance policies, including business risk coverage, office buildings, and employee wellness programs.
• Perform any other duties assigned by management

Requirements:

• Familiar with and possesses strong knowledge of Employment Act, Singapore Labour Laws and Legislations.
• Experience in handling BIPO Human Resource Management System is preferred
• A team player with good written and verbal communication skills

Candidates are encouraged to apply this position via Apply Now button with the following information in the resume

• Work experiences and job responsibilities
• Current and Expected salary
• Reason for leaving
• Date of availability
• Education background

We regret that only shortlisted candidates will be contacted.

NG DIAUM YEE (R2198031)

EA Recruitment Pte Ltd

EA License No: 21C0492

Are you looking for a role that is both rewarding and meaningful? Consider becoming a Recruitment Consultant! This dynamic sales position not only offers high income potential but also allows you to make a positive impact by helping people find their ideal jobs. Join us and be a part of a team that changes lives for the better.

Highlights:

• Basic Salary + High commission, Potential annual income $50,000-$80,000
• 5 working days, 9am-6pm
• Entry level candidates are welcome to apply, training will be provided
• Location : Macpherson (Walking distance from Macpherson MRT)

Job Scope:

• Meeting monthly sales target and company's revenue objectives
• Responsible for full cycle of search and recruitment activities.
• Be involved in executive and non-executive search.
• Managing job offer process to candidates and handle remuneration and compensation benefits with clients and candidates.
• Advise Clients and Job seekers on market & employment trends.
• Business development which involves managing and developing new and existing clients.
• Enhance business relationship with clients and develop strong account management skills.
• Working closely with clients to develop recruitment strategies and plans.
• Working closely with team members to achieve team goals.

Requirements:

• Results and sales driven candidates
• No experience required, training will be provided
• Candidates with relevant experience be considered for Senior Consultant
• Candidates with CEI Certificate and agency recruitment experience will have added advantage

To Apply, kindly click on the "APPLY NOW" button

We regret that only shortlisted candidates will be notified.

Staffking Pte Ltd (20C0358) | Howard Lau (R1550959)

Roles & Responsibilities

• Provide management over a portfolio of clients to ensure required filings and submissions to be done by stipulated timeline
• Scheduling, monitor, control, coach, train and develop team members including reviewing of tax computations, GST computations, accounting treatment and preparation of unaudited financial statements in compliance with relevant governing law
• Work with external auditors, resolving any accounting or tax related issues for portfolio of clients
• Develop and inspire a motivated team to be client-centric with competent people skills to engage with clients, response to clients in timely and efficient manner
• Hands on and lead by example

Requirements

• Recognised Degree in Accountancy or equivalent professional qualification (ACCA, CPA, CA etc.)
• Tax Accreditation from SCTP (preferred)
• At least 5 years relevant experience in outsource accounting work
• Analytical with good inter-personal skills
• Good understanding of corporate governance, regulatory compliance and accounting principles

Benefits

• 5 days work week with flexi-benefits
• Growing company means you do not feel stagnant

Why Join Us?

• Attractive Newcomer Bonus
• Career Progression & Development Opportunities
• Opportunity to Work Alongside an Innovative Team
• Comprehensive Leave Packages (e.g: additional leave, birthday leave, eldercare leave, etc...)
• Executive Health Screening

Job Responsibilities:

• Manage construction planning and scheduling, develop baseline programs, and coordinate with consultants, contractors, and suppliers
• Ensure alignment between project schedules, resources, and budgets
• Identify project risks, delays, and opportunities for optimization, and propose corrective actions.
• Collaborate with clients, authorities, consultants, subcontractors, and suppliers on project-related matters, offering both technical and non-technical solutions and stakeholders to ensure timely project completion
• Prepare and present regular progress reports to management and clients
• Ad-hoc duties as assigned by superior(s)

Job Requirements:

• Bachelor's degree in Civil & Structural Engineering (Certificates must be recognized by PE Board).
• Minimum 8-10 years of relevant experience in construction planning and project coordination
• Highly experienced and proficient in the use of Primavera P6 for projects planning
• Independent, resulted-oriented and self-driven team player
• Strong analytical, problem-solving, and communication skills
• Salary package commensurate with experience

A Retail Assistant Manager, or Manager, is responsible for making sure that the daily operations of a retail outlet run smoothly by supporting staff on the sales floor and handling administrative duties. Their duties include inspecting inventory shipments, resolving customer complaints and training new team members. He or she should be in a position to perform different daily job duties depending on the types of products being sold, the number of staff in a store and the size of the retail store.

Responsibilities:

• Achieve personal and department’s sales target on a monthly, quarterly and yearly basis
• Train staff on how to drive sales through consistent development of product knowledge and ensure high level of customer service standards
• Monitor sales performance/customer service standards and take corrective actions as needed
• Resolve customers’ issues and escalate to management if necessary
• Be well verse on various products to guide sale executives
• Ensure compliance to policies and procedures and report concerns to senior management
• Comply with inventory control procedures and maintain stock-count
• Ensure that the retail shop is clean, organised and visually appealing
• Collaborating with other departments to optimise the customer experience and improve store operations

Requirements:

• Basic understanding of sales principles and customer service practices
• Able to speak and understand simple English
• Strong communication and interpersonal skills
• Friendly and energetic personality with customer service focus
• Ability to perform under pressure and address complaints in a timely manner
• Relevant experience of selling consumer electrical products, bedding, furniture and/or Air-con will be an added advantage
• Able to work retail hours, weekends and public holidays
• Able to attend company-sponsored PWM/OPW training.

We are looking for a Merchant Acquisition Manager (Retail Manager). The Retail business is one of the important channels for DHL to increase revenue (cash) and retail presence in Singapore. The Retail Manager is responsible for developing and implementing our Retail & Access Strategy and to build a strong and profitable network of DHL Express Retail footprint.

Your Tasks

· Formulate strategy on selling DHL products and services to walk-in customer at DHL Express Service Centres.

· Expand resellers footprint and establish trusting and mutually beneficial relationships to tap on the resellers’ network and location to provide DHL products and services to end consumers.

· Review the monthly performance for analysis and conduct service training arrangement.

· Liaison with vendors for the purpose of developing & implementing a strong brand presence (in consultation with marketing) at all retail locations, at the same time, ensuring adherence to company policies & procedures.

· Continuously improve, refresh and revitalize products and services to meet changing customer needs.

· Work with internal and external stakeholders to drive innovation and tools to meet Retail customers demands.

· Lead marketing strategy on DHL products and services to increase new customer acquisition and repeat shipping.

· Management of DHL Resellers partnership in terms of contractual terms, billing and payable commission.

· Provide training to Retail outlet officers on cash/freight collection from walk-in customers.

· Motivate team members to achieve the sales targets that are set monthly. Team manager of Retail Sales team which includes Retail Program Executive, Retail Outlet Officers, Retail Sales Desk Executive.

· Develop IKOs/KPIs with team members and monitor individual performance.

· Conduct monthly review sessions and yearly performance appraisal with all team members in order to monitor and appraise on productivity and achievement.

· Perform Coaching and follow up sessions with all members of the Retail team to monitor development of skills and to identify further areas for training and development.

· Manage the allocation of appropriate resources for team members to achieve Global, Regional and Country objectives and targets.

· Identify training needs and opportunities to develop a highly skilled functional department.

What You Bring

· Minimum of 5 years’ experience in sales management or business/retail development, preferably in consumer/service/retail sector.

· Strong business development and sales skills.

· Good organization, planning and operation capabilities.

· Dynamic and self-driven individual.

· Strong analytical skills.

· Strong display of leadership and team management experience.

Preferably with Degree in Business Management/Administration, Supply Chain and Engineering.

Job Description

• Arrange and schedule in all assigned on-stage performances of the company
• Attend and arrange for rehearsals and work with other performer
• Work with performers to fine-tune performance
• Keep and update weekly routine performances
• Assist the performer in selection for optimal performance standards
• In charge of the admin of the performer including reporting to the management
• Need to manage the staff and assist the management in handling all the issues of the performers
• Attend monthly meetings pertaining to stage performance matters

Requirements

• Ability to communicate well with staff/ performer from East Asia
• 3 to 4 years’ experience as Performing Artiste Manager or related manager
• Able to communicate well with the performers
• Has experience as Performer is a plus
• Knowledge of Mandarin Pop or Jpop Kpop is advantageous
• Strong stage experience

Company’s Profile:

Our client, a security solutions provider has been established for more than 25 years, with a strong reputation in the industry. They specialize in delivering comprehensive turn-key security systems, from design and integration to maintenance and support and serve clients in government, trade and commercial sectors. They are now looking for a Senior Recruitment Executive to join their expanding team!

Location: Tampines (walking distance from Tampines West MRT)

Working hours: Monday - Friday, 8.30am to 6.00pm

Job Responsibilities:

• Develop and implement recruitment strategies to attract, engage and hire top talent across all levels of the organization
• Lead, mentor and manage a small team to understand current and future talent needs
• Collaborate with hiring managers to understand talent needs and provide expert guidance on workforce planning and role requirements to ensure alignment between organizational objectives and recruitment efforts
• Manage the end-to-end recruitment process, including job posting, sourcing, screening, interviewing, extending offers, on-boarding etc.
• Utilize data-driven insights to analyse recruitment metrics, optimize processes and report on hiring outcomes
• Build and maintain a strong talent pipeline through proactive sourcing methods, including networking, talent acquisition partners, referrals, social media, recruitment events, recruiters, campus and career fairs etc.
• Oversee and manage the employer branding strategy to enhance the company’s reputation as an employer of choice
• Ensure compliance with all employment laws and company policies throughout the recruitment process
• Participate in internal and external audits
• Stay updated on industry trends and best practices to continuously improve the talent acquisition process

Requirements:

• Degree In Business Administration (Specializing in HR) or equivalent
• Minimal of 4-6 years of experience in talent acquisition and management
• Experience in hiring for technical roles is advantageous
• Experience in Team Leading is preferred

Interested candidates may whatsapp your resume to 6421 4965. Only shortlisted applicants will be contacted.

Cassie Chan | R2197426

Talentsis Pte Ltd | EA No: 20C0312

Job Description:

• Key channel of communication for customers and act as escalation in the event of customer issues
• Maintain good customer relationship to ensure that customer’s needs and expectations are met
• Organize internal meetings, discussions etc. to address issues which will affect program deliverables
• Planning and execution to prepare the organisation for customer’s Product Lifecycle Management
• Report project status, issues and implemented solutions
• Lead Value Engineering Activities & Project Management
• Liaison for customer visits
• Comply and follow all procedures within the company security policy
• May perform other duties and responsibilities as assigned

Job Requirements:

• Candidate must possess at least a Bachelor’s degree in Business Administration or Engineering or any field
• At least minimum 3 years project management experience for OEM/ODM business
• Proficient with Microsoft Office especially Excel
• Excellent communication and problems solving skills
• Strong operational knowledge
• Willing to perform overtime

Interested applicants, please send in your resume stating your date of availability, current and expected salary.

Why Join Us?

• Attractive Newcomer Bonus
• Career Progression & Development Opportunities
• Opportunity to Work Alongside an Innovative Team
• Comprehensive Leave Packages (e.g: additional leave, birthday leave, eldercare leave, marriage leave & gift, etc...)
• Annual Executive Health Screening

Job Responsibilities:

• Assist the Project Director (PD) with various project functions, encompassing project management, site supervision, and risk control, to ensure the successful achievement of project objectives
• Manage and supervise project execution, ensuring site progress is monitored closely and projects are completed on time and within budget
• Ensure strict compliance with safety regulations and the latest Workplace Safety and Health (WSH) Act provisions throughout all project stages
• Implement robust cost control measures to ensure projects are completed within budget, optimizing resource utilization and adhering to project schedules
• Provide leadership and guidance to project teams, fostering a culture of excellence and accountability
• Collaborate with relevant stakeholders to address any project-related challenges or issues effectively
• Maintain up-to-date knowledge of relevant authorities' requirements and regulations, ensuring full compliance at all times
• Ad-hoc duties as assigned by superior(s)

Job Requirements:

• Bachelor's degree in Civil & Structural Engineering (certificates recognized by the PE Board)
• At least 10 to 12 years of experience in extensive experience in Civil Engineering and Infrastructure works, with a strong focus on the construction of underpasses, ramps, cut & cover tunnels, roads, and rail projects
• In-depth knowledge of relevant authorities' requirements and regulations pertaining to construction projects
• Proactive, with a strong sense of responsibility and exceptional interpersonal skills
• Self-motivated and dynamic, with a proven ability to thrive in a demanding work environment
• Capable of working independently and effectively under pressure, while also being a valuable team player
• Proficiency in project management software such as Primavera, Microsoft Projects, and AutoCAD is advantageous
• Salary package will be commensurate with experience

Responsible for providing administrative and client service support to Relationship Managers (RM) within the front office function servicing Private Banking clients.

Responsbilities:

• Provide administrative and client service support to Relationship Managers servicing Private Banking clients.
• Respond to all client enquiries and instructions and provide resolution to most issues and requests.
• Monitor transactions and activities in client accounts
• Maintain client data and reports, such as: contact lists, account numbers, facilities details, status of credit reviews/renewals, etc
• Handle administrative duties including scheduling of appointments, preparing correspondences, making travel arrangements, arranging meetings and receptions, producing presentation materials.
• Coordinate with Product Groups, Operations and other functional areas as necessary
• Ensure adherence to internal and external regulations and policies at all times

Requirements:

• Minimum 3-10 years of relevant experience in client servicing, operations or sales support within financial institutions
• Bachelor degree or diploma from reputable institutions
• Strong understanding of financial products and services
• Excellent interpersonal, communication and client interfacing skills
• Meticulous, strong attention to details
• Possess future oriented mindset, strive to innovate and adapt to changes
• Strong understanding of inter-dependencies within the team and able to collaborate effectively across departments
• Ability to thrive in a fast paced environment and remain empathetic, passionate and resilient
• Preferably CACS certified

OVERVIEW & IMPACT:

Samsung Electronics Device Solutions is a global leader in Semiconductor Industry. Regional Headquarters in South East Asia - Samsung (Device Solutions) team in Singapore is seeking a talented & committed and versatile Human Resources professional to join the South East Asia (SEA) Human Resources team to support our employees in Singapore. This role will be responsible for the day to day HR operations of the R&D business entity based in Singapore.

This role primarily focused on providing the day-to-day HR services and deliverables in Singapore. Incumbent will serves as a trusted partner and advisor to both our employees & Management. Incument will work closely with HR peers and shared services team in the HR & Administrative domain.

This single contributor role reports to the HR Team lead and is responsible for HR & Administrative operational work including & not limited to Employee Engagement & Wellness, Learning & Development, Office and Facilities Management and other projects activities as required.

Job Description

Responsibilities:

• Perform comprehensive spectrum of HR functions that helps to improve overall Employee Experience in the Organization.
• Delivers effective HR services and conducive office environment by partnering with internal stakeholders
• Responsible for Employees Wellness & Engagement initiatives and activities, Company level Townhall events, Learning & Development, Office and Facilities Management.
• Manages Employee Communications and Employees relations matters
• Responsible for employee events e.g. Employee wellness programs, Company events.
• Responsible for Company Office Security & Health and Safety Management.
• Handle all other HR Project and Administrative matters and undertake tasks as assigned by management

QUALIFICATIONS & REQUIRED SKILLS:

Requirements:

• A diploma or degree in Business Administration, Human Resources management or equivalent.
• Minimum 7 years of relevant experience in HR Generalist with Office Administration or equivalent
• Good knowledge of Singapore employment law and HR best practices
• Strong HR operational skills with an eye for detail and comfortable to provide support in administrative duties, employee communications and organizing employees activities and events.
• Ability to work independently with high level of commitment and resilience and versatility
• Resourceful, organized with result-oriented mindset. Able to work in a fast-paced working environment.
• Experience with using the Workday system will an added advantage

ABOUT US

HCSA Community Services is a charitable organisation with the Institute of a Public Character (IPC) status and a member of the National Council of Social Service. As a family of dedicated staff, volunteer teams, and corporate and community partners, we continue to give a future and a hope to the vulnerable in society

HCSA is certified as a Great Place to Work ®. At HCSA, our commitment to being a Great Place to Work® is not just a label; it's a reflection of the vibrant and supportive culture we have nurtured together. Within our organisation, everyone is not just a part of a team; they are valued contributors to a workplace built on respect, fairness, and mutual support. Our leaders are known for their credibility, a result of our unwavering dedication to open dialogue and integrity.

At the heart of HCSA's existence is a profound purpose – to give a future and hope for the vulnerable among us. Building and sustaining this culture is a critical part of achieving our mission. We invite you to embark on a rewarding journey where your skills, ideas, and passion will contribute to making a difference in the lives of those in need.

SUMMARY

The Manager / Assistant Manager, Digital Marketing is responsible for the development, management and optimisation of HCSA Community Services’ online fundraising and digital marketing strategy across various online channels.

The position plays a crucial role towards HCSA’s financial sustainability, by leveraging digital platforms to drive donations, and maximising fundraising opportunities across various channels.

DUTIES AND RESPONSIBILITIES

Online fundraising campaigns (digital/social media)

1. Develop and execute online fundraising strategies to engage donors and generate financial support for our community services

2. Plan, manage and optimise online fundraising campaigns across multiple platforms, including but not limited to websites, social media, email and crowdfunding

3. Create compelling fundraising appeals, stories and content to inspire donations and engage supporters

4. Utilise data-driven insights to optimise fundraising campaigns, track performance metrics and identify future opportunities

5. Leverage on marketing automation for donor engagement and retention

6. Manage our fundraising campaign budgets to ensure cost-efficiency

Website management

1. Manage overall content, UI/UX and SEO on HCSA websites, with inputs from the respective content owners

2. Oversee the redevelopment of the main website, with eCommerce, payment gateway and conversion tracking functionalities

Others

1. Collaborate within the team and across functions/programmes, to integrate online fundraising with offline fundraising, and align holistically with broader organisational initiatives

2. Stayed informed about emerging trends in philanthropy, online fundraising, digital marketing and user behaviour, incorporating innovative strategies to enhance fundraising effectiveness

3. Other marketing support as needed

QUALIFICATIONS

Experience and Education

1. Proven experience with a track record of successfully managing online fundraising, eCommerce or digital marketing campaigns

2. Strong understanding of digital marketing and fundraising fundamentals and tools — including UI/UX, Google Analytics, Google Tag Manager, SEO, SEM, programmatic ads

3. Excellent written and verbal communication skills, with the ability to craft compelling fundraising appeals and donor communications

4. Analytical mindset with the ability to interpret data, track performance metrics, and make data-driven decisions

5. Proficiency in Wordpress CMS, Elementor and CiviCRM is an advantage

6. Proficiency in fundraising systems and platforms, such as crowdfunding platforms and donor management systems, is an advantage

7. Proficiency in Adobe Creative Cloud software (Illustrator, Photoshop, InDesign, Premiere Pro, etc.) is an advantage

8. Bachelor’s degree in Nonprofit Management, Marketing, Communications or related fields; postgraduate qualifications are a plus

9. Non-degree holders with a strong track record and demonstrated proficiencies will be considered

Other Requirements

1. Passion to work in the social services sector, and advance the interests of vulnerable groups in the community

2. Strong interpersonal skills and a team player with the ability to build relationships with donors, supporters, and team members

3. Highly organised with the ability to manage multiple projects and deadlines effectively

Work Arrangement - Full -time; Permanent

Salary commensurate with experience.

Havas Media Singapore is looking for an Associate / Media Manager (Integrated Media) with at least 4-5 years of experience in integrated media. You will play a pivotal role in ensuring the management and delivery of advertising campaigns for a portfolio of integrated media accounts.

Main responsibilities:

• Day-to-day client management to ensure alignment through all stages of the account and campaign lifecycle. You will be the key point of contact for client services
• You will be responsible for leading and overseeing the strategy development, campaign planning, execution, implementation, optimisation, and performance analysis of your assigned portfolio
• Work with the agency teams to define media strategies, make recommendations, and lead negotiations with clients and partners
• Outline and execute master agreements, client budgets and financial invoicing relating to your assigned portfolio of accounts
• Manage a portfolio of integrated media accounts with the support of your team of Media Planners and Media Executives. Plan, distribute and oversee the teams’ tasks
• Support the training and any recruitment of team members; Monitor and appraise their work performance
• Ad-hoc involvement in new business pitching

Requirements for this role:

• Relevant qualifications in marketing, communications, or other relevant disciplines; or relevant work experience
• At least 4-5 years of experience in planning and managing integrated media campaigns (including TV and other offline, digital display, ad networks, and third-party partners)
• Experience in hub relationship management; working with global, regional, and local teams
• Strong understanding of the media and advertising landscape in Singapore
• Experience with the APAC region and in-depth market knowledge of specific regions
• Strong understanding of local planning insights and regional market nuances
• Solid knowledge and command of media planning/trading skills, tools, and market updates and knowledge
• Strong business acumen and a sense of financial management. You will be overseeing the management of client budgets and financials for the assigned portfolio

Qualities we are looking for:

• Pro-active, responsible, accountable, and collaborative
• Strong written and verbal communication skills, with a keen eye for detail
• Strong interpersonal communication skills
• A collaborative team player
• Direct team management experience strongly preferred

About Havas

Founded in 1835 in Paris, France, Havas is one of the world’s largest communications groups. At Havas, we believe that companies have a key role to play in solving the biggest challenges our world faces today – and every day we strive to operate responsibly for ourselves and our stakeholders. We operate under the vision and mission to make a meaningful difference to brands, businesses, and people.

We employ 20,000 people in more than 100 countries, adopting a fully integrated model through our 60+ Havas Villages around the world – the Havas Village offers a truly unique proposition, where cross discipline teams work together, ensuring agility and a seamless experience for our clients.

About Havas Singapore

Within our Singapore Village is a network of business units including Havas Media, Arena Media, Socialyse, Red Havas, and BLKJ Havas, offering services across media, social, PR, and creative. Since 2015, we’ve had an unbroken streak of Agency of the Year (AOTY) wins across disciplines, including Integrated Marketing AOTY, Media AOTY, Specialist AOTY, and PR AOTY.

We are also committed to building a diverse culture where our people can grow, thrive, and feel that they belong. In 2024, we won Best Agency Culture (Silver) at Marketing Interactive’s Agency of the Year Awards, and are a Great Place To Work® Certified™ agency.

*Kindly note that only shortlisted candidates will be contacted.*

Here at Havas across the group we pride ourselves on being committed to offering equal opportunities to all potential employees and have zero tolerance for discrimination. We are an equal opportunity employer and welcome applicants irrespective of age, sex, race, ethnicity, disability and other factors that have no bearing on an individual's ability to perform their job.

Description:

Professional skills in hair cutting, washing and blowing of hair

Skills in doing hair designs

Knowledge of mixing own colour dye to provide colour/ hightlight service to customers

Experienced in doing scalp treatments

Requirements:

Minimum 5 years experience in sales industry

Oversee and run daily oeprations of whole outlet smoothly

Be in line with organizational goals and mission

Excellent interpersonal and communication skills

Passion in customer service

Enjoy communicating with people from all levels

Able to withstand long working hours

Candidates with experience in the hair industry will be an advantage

Credit In charge (Overall In Charge of credit and related functions such as trade, syndication)

Job description

Responsibilities

Due diligence on borrowers

• Due diligence on prospective clients before taking up the proposals on board and at time of review which includes obtaining ACRA, D&B, status reports from banks, statements of accounts with existing banks and market reports. Checking the names with RBI defaulters list and litigations etc. against the company / directors /shareholders.
• Ensure necessary CDD / AML & CFT measures are in place in relation with promoter’s background and business, including any adverse media reports.

Screening of prospective & existing borrowers

• Carry out screening of directors / shareholders in world compliance check and obtain KYC documents.
• Risk rating of customers based on nature, place of incorporation, jurisdiction of incorporation, corporate shareholders, suspicious transactions, tax litigations and politically exposed persons etc.

Credit rating of borrowal accounts

· Carry out credit rating of the customer as per internal rating model. The model is based on the financials and other aspects including management, industry and past experience to arrive at risk rating and pricing. Our internal rating model (OVS model) is devised by KPMG independently and it is well defined, consistent and mapped with regulatory requirements of grading as per MAS 612.

· Credit rating model to incorporate the various characteristics of the borrower, such as key financials indicators, business, industry factors, conduct of account etc.

· Proper grading of accounts as per MAS/RBI guidelines whichever are stringent.

Formulating appropriate Pricing mechanism

• To arrive at pricing of the loan, having regard to risk rating, industry scenario, cost of funds, asset-liability position, operating costs, profit margin and security offered.

Appraisal of financials key ratios & industry

• Analysis of balance sheet, operating statements and cash flow of the borrower and also consider cash flow of group / parent companies to take holistic view of the group.
• Analyse Key financial ratios and compare with benchmark ratios as per policy.
• Analyse the trend of business, compare projections v/s performance and assess business model whether it is self sustained.

Assessment of credit limits

• Assess the requirement of the borrower based on past performance and future trends, trade cycle, and cost of project (for project finance term loans).
• It is also based on credit strength of obligor and our borrower and group exposure limits. Internal rating is carried out without undue reliance on external ratings.
• Syndicated loans are appraised independently without undue reliance on assessment of lead arranger or underwriter of the facility.

Separation of credit origination & Credit approval / Review functions

· Segregation of credit sourcing and appraisal to be ensured and guidelines to be laid down for distancing of operations & appraisal process.

Security, including collaterals

· Collaterals & guarantees may be obtained as credit mitigation measures.

Lending to Single Group

· All proposals should incorporate max permitted Single borrower/ Group borrower limits as laid down as per Delegation/ Credit policy guidelines. It is directly linked with bank’s capital structure and RBI guidelines for single and group borrower limits.

Compliance with Regulatory guidelines

· Processing of proposals following the guidelines of RBI / MAS.

Lending to Related parties

• Ensuring Credit granted , if any,
• to concerns related to bank’s Directors/ senior management is done at arm’s length and free from conflict of interest and approved by apex sanctioning authority of the bank.
• (Board of Directors)

Formulation , Review & updation of policies, procedures and manuals

• Annual review and update policies, procedures and manuals in line with latest regulatory guidelines and in line with prevailing economic environment on annual intervals.
• Policy should lay down the conditions and guidelines for identification, measurement, evolution, and monitoring, reporting and mitigation of credit risk at both individual obligor and portfolio levels. It should be well defined documented, consistent and adequate for nature and complexity of our business activity and it should be approved by the Board of Directors.
• Roles and responsibilities of staff involved in management of various credit functions to be laid down
• Operational guidelines to be documented and set out in sufficient details for effective implementation by operational staff.

Delegation of authority

· All credit proposals to be put up to appropriate delegated authority as defined by in delegation of powers, issued by Head Office from time to time. This is based on quantum of exposure, risk rating of the obligor and tenor of credit. It is treated as secured and unsecured on the basis of security / collaterals offered against the facility.

Audit compliance

· Addressing previous internal/ external/ statutory audit observations.

Mechanism for approving excesses beyond sanctioned limits

· Evaluate & process requests of customers for Ad Hoc / TOLs / modification in sanction terms.

Periodicity of credit reviews

· All credit accounts to be reviewed at least once a year.

· All Special mention accounts to be reviewed from monitoring perspective at 6-monthly intervals.

· Status review / Short review to be conducted wherever complete data/ latest financials are not available.

· In addition to above, occurrence of any event that may jeopardize the repayment capacity of the obligor may trigger for review of account.

· Testing of financial covenants set out in the facilities.

Monitoring conduct of a/c / overdue position

· Monitoring daily overdue statements to prevent slippage of performing assets into classified category by recovery of overdue position.

Liaison with HO

· Follow up with HO for matters under consideration with them and reply to their observations.

· Reporting of events that may affect the risk perception of the account during the year in addition to reviews.

Upgradation of skills & knowledge of staff

· Impart formal / informal training and conduct weekly test for staff to enrich domain knowledge.

· Attend trainings / seminars / workshops and take online tests on AML /CFT and PDPA.

Reconciliation

· Overall In Charge of Nostro and Vostro account reconciliation

Compliance with guidelines of MAS / MOM / RBI / HO as and when applicable.