DBS Bank

Regional bank offering digital banking

Home Loan Processing - Multiple Teams

Retail & Commercial BankingUpdated on Nov 12

Full-timeIndiaNo salary listedIn-person

About the Job

Requirements

At least 5–7 years of retail home-loan processing experience.
Graduation from any recognized university.
Expertise in home-loan processing.
Good communication skills.
Basic banking experience is an added advantage.
Knowledge of retail home-loan products, particularly the home-saver product; mortgage core processing; and retail home-loan system enhancements and post-sales support.
Knowledge of return on investment (ROI), processing fees (PF), office accounts, DIR, and loan-to-value (LTV) exposure.
Ability to handle CIBIL report generation and CERSAI enquiries, register and remove entries.
Ability to work collaboratively, with commitment and integrity.

Responsibilities

Process home loans in central operations, including files for credit approval, pre-disbursal, post-disbursal, and post-sales support.
Liaise with verification, legal, and valuation teams, as well as internal and external stakeholders, agencies, and vendors, to ensure smooth operations.
Create and maintain procedures, standard operating procedures, and manuals in line with non-performing asset requirements, the RAC credit policy, and other internal and external guidelines.
Complete beginning-of-day and end-of-day responsibilities in line with checklists.
Prepare, check, and circulate internal and external reports in line with stakeholder requirements and agreed processes.
Identify process risks, notify the line manager, and work with the line manager to create and implement risk-mitigation actions.
Perform user acceptance testing as requested by Operations or the business, document results, and report them to the relevant stakeholders on time.
Work with stakeholders to support a positive customer experience during processing.
Adhere to agreed service levels and turnaround times, and promptly report exceptions and their reasons to the line manager.
Coach or mentor colleagues on the process or product when appropriate and assigned by the line manager.
Comply with internal and external policies and audit requirements, including legal, compliance, and operational requirements.
Maintain operational registers and files, including the FRFC Key Register, Document Control Register, and In and Outward Register.
Initiate and track customer and collateral verifications; complete disbursal checks in line with manuals, policies, and procedures; and disburse funds.
Track OTC and PDD documents and update the system; ensure Welcome Kit requests and dispatch are completed on time.
Archive files according to the process.
Handle post-disbursal and service-related requests in line with procedures.
Communicate with customers and dispatch letters.
Contribute to process enhancements and cost savings while maintaining or improving customer experience.

Desired Qualifications

Basic banking experience.

Business Function

Group Technology and Operations (T&O) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality & control, technology, people capability and innovation. In Group T&O, we manage the majority of the Bank's operational processes and inspire to delight our business partners through our multiple banking delivery channels.

Job Purpose

The role is towards processing of home loans in central operations domain and would include file processing for credit approval, Pre-disbursal, Post-disbursal and Post sales support.

Key Accountabilities

Retail Home loan product knowledge (home saver product in particular)
Home Loan processing from approval to post sales support
Domain expertise on core-processing of Mortgages
Liaison with verification, legal and valuation team
Liaison with all internal & external stakeholders (Agencies / Vendors) to ensure smooth flow of Operations

Requirement

Job Duties & responsibilities

Ensure the procedures / SOPs / Manuals are created & maintained in line with the NPA, RAC – Credit Policy and other internal / external guidelines
Ensure all BOD and EOD responsibilities are adhered to in line with the checklists
Ensure all internal & external reports are prepared / checked / circulated in line with the stakeholder requirements and the agreed process
Identify any process risks and proactively bring them to the notice of the line manager
Work with the line manager in creating / implementing the risk mitigation actions for the operation supported
Perform the UAT as desired by the Operations / Business and clearly document the results including reporting them in time to the respective stakeholders
Work with all stakeholders in ensuring a positive customer experience in the processing
Ensure strict adherence to the Service Levels (TAT / SL agreed) and any exceptions are immediately reported to the line manager along with appropriate reasons
Proactively support the colleagues in coaching / mentoring on the process / product as appropriate (and whenever assigned by the line manager)
Ensure compliance with all internal & external policy & audit requirements (including but not limited to Legal / Compliance / Operational, etc)
Maintain all registers & files as required by the Operations unit (Example: FRFC Key Register, Document Control register, In & Outward register, etc)
Verifications are initiated and tracked for receipt (Customer & Collateral). Disbursal checks are ensured in line with the manuals / Policy / SOPs and funds are disbursed
Tracking of OTC & PDD documents and update to the system. Ensure Welcome Kit request and dispatch on time
Archive the files as per the process
All post disbursal and service related requests are handled in line with the procedures
Possess good knowledge of ROI, PF, Office Accounts, DIR & LTV (exposure)
CIBIL report generation & CERSAI handling (enquiry, register the entry & remove the entry)
Communication to the customer (dispatch of letters)
Contribute for the process enhancements and cost saves while improving / without negatively impacting the customer experience
High governance standards

Required Experience

Atleast 5-7 years in Retail Home Loan processing
Basic banking experience is an added advantage

Education / Preferred Qualifications

Graduation from any recognised university

Core Competencies

Expertise in Home Loan Processing
Good communication skills

Technical Competencies

Retail Home Loan Processing
Retail Home Loan system enhancements
Retail Home loan post sales support

Work Relationship

Team Player
Commitment and Integrity

Location:

Technology Centre

Job:

Operations

Schedule:

Contract (Fixed Term)

Employee Status:

Full time

About the Company

DBS Bank

Regional bank offering digital banking

DBS Bank provides banking and financial services in Singapore and Southeast Asia, including personal and business banking, loans, deposits, wealth management, and payments. It serves customers through a network of branches and a digital platform that lets people open accounts, transfer funds, borrow, and invest via online and mobile apps. The bank differentiates itself with government-backed origins, rapid regional growth, a strong emphasis on digital banking, and a broad mix of consumer, corporate, and wealth services. Its goal is to be a leading, trusted financial services provider in Asia, supporting customers and economies with reliable banking and sustainable growth.

Company size: 10,001+
Company stage: IPO
Headquarters: Singapore, Singapore
Founded: 1968

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