Ravinder Kaur Darsan Singh CPM (Asia Pacific) B.Com (Mkting&Mgmt)
(Singapore PR with Family visa for Qatar)
Current Address:
Al Saad Area, Doha, Qatar.
Telephone (Mobile): +(974) 33041079
Email Address:
vin_1376@hotmail.com
PROFESSIONAL PROFILE
A dedicated and hardworking professional with over 10 years of experience working within the
Corporate, Enterprise and Consumer Banking sectors managing both Conventional and Islamic
portfolios. Adept at performing credit assessments; Ravinder demonstrates a proven track
record of handling risks in credit, ensuring all documents reviewed are in order, authorized
appropriately and charged accordingly. She displays a comprehensive knowledge of risk
concepts, banking products, operations,systems coupled with a strong understanding of various
banking rules and regulations.
Ravinder also possesses excellent interpersonal, communication and negotiation skills and has
the ability to develop and maintain mutually beneficial internal and external relationships. She
enjoys being part of, as well as managing, motivating and training a successful and productive
team, and thrives in highly pressurized and challenging working environments.
SKILLS & EXPERTISE
Corporate Banking, Enterprise Banking, Auditing, Credit Analysis,Credit Review, Credit Risk,
Financial Risk, Document Review, Recruiting, Training, Negotiating, Simple & Complex
Documentation, Risk Mitigation ,Housing Loans, Construction Loans, Building Loans,Bridging
Loans, Vessel Loans, Syndication, Hire Purchase(HP),Equipment Financing,Factoring, Dealing
with FX documents, Consumer Banking and Branch Banking
CAREER SUMMARY
July 2008-May 2012
DBS Bank Ltd,Singapore
Associate-Risk Management Group
Enterprise/Corporate Banking (Documentation)
 Indirect management and training of three staff members; a Bank Executive, Analyst and
Contractor.
 Came up with ways to quicken process of checking documents without compromising on
policies and procedures.
 Covering for the Assistant Vice President’s (AVP) when absent from the office.
 Responsible for handling simple and complex documents to mitigate risk for a portfolio of
large amount clients ranging from sole-proprietors, partnerships, MNCs, Holding Cos. to
Associations / Societies.
 Responsible to review documents for all sectors i.e. Real Estate/Telecom, Media &
Technology/Manufacturing/HP/Transport/Government and to ensure risk is mitigated for all
Retail banking products, especially loans which are cross-collateralized.
 Responsible for ensuring that specialized product like HP; The invoices, HP schedules, tax
documents are in order and in compliance with the Bank’s standard terms & conditions,
Banking Laws governed by Monetary Authority of Singapore (MAS) and in line with the Land
and Transport Authority of Singapore (LTA).
 Responsible to approve all cases for activation or disbursement once documentation is in
order; Bearing in mind the Cut-off Times for the type of disbursements like MEPS/
Telegraphic Transfer/Cashier’s Order/Trade Receipts/ Foreign Exchange.
 Ensure correct insurance policies are forwarded to the Monitoring Team within a week from
disbursement.
 Responsible as a Second Checker or the only checker for cases which are simple.
 Responsible to highlight deviations/discrepancies found in cases to the respective
departments or solicitors ranging from Bank Executives to Higher Management (depending
on the risk involved).
 Assisting in mock runs for certain system integration, especially for HP cases.
 Assisting with Audit queries especially for HP with additional involvement in preparing
checklist and coming up with the Service Level Agreement timings (SLAs).
 Providing on the job training to new colleagues and other department recruits on
HP/Business Loan/Overdraft Facilities/LG/LTG/ELTG and Singapore Government Aided
Loans (LEFs).
Reason for Leaving: Join husband who has been posted in Doha.
Dec 2003- Jul 2007
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Eon Bank Berhad, KL, Malaysia
Head of Documentation (HP)
Consumer/Retail Banking
Initially joined as an Executive for Processing of Housing Loans before rotating to
Disbursement of Housing Loans and Collection Department for Housing loans.
Responsible for processing Housing Loans in accordance to the Bank’s Guidelines,
collecting loan documents and giving appropriate recommendations.
Handled any customer complaints and finding solutions.
Attended meetings with customers, lawyers and developers at branch, sites and offices;
Visiting sites to ensure projects (housing developments) were going according to plans.
Representing the branch following a merger, trained on the system to be used after the
merger (between Finance and Bank) and assisted with the branch’s mock runs before the
merger took place.
Assisted in getting Bridging Loans from Developers by coordinating with Head Office staff.
Assisted with daily branch operations including; Over-ride for Pin Mailers for ATM/Hold
Security Keys/Over Ride for TT/Cheque Deposit.
Notably became the Head of Documentation for HP (Consumer and Retail Banking);
Managing 6 direct and 4 indirect staff.
Revamped the Documentation Department (HP) within 3 months.
Cleared backlog of 1500 cases in 3 months together with putting procedures in place and
monitoring on going cases.
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Responsible for 17 cluster branches. Ensuring that the HP loans were parked in the right
cluster branches upon processing and disbursement; Processing in compliance with the
bank’s guidelines and banking laws governed by Bank Negara Malaysia (BNM) before
disbursing. Mitigating Risk.
Responsible for all HP and Guarantee Agreements and ensuring that the documents are in
order before sending out to customers.
Monitoring all registration cards had been obtained from the car dealers and sent to the
cluster branches while also overseeing the preparation of weekly and monthly reports and
ensuring their circulation once approved.
Assisting the Floor Stocking Department on Disbursement and Settlement.
Acting as the relief for the Department Heads in their absence.
Managing the user ID and Password accounts for both existing and new employees as well
as providing essential on the job training for new staff members.
Additionally responsible for monitoring loans and reporting on Anti-Money Laundering
activities.
Reason for Leaving: Got married and moved to Singapore
Jun 2001-Nov 2003
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RHB Bank Berhad, KL, Malaysia
Consumer Sales Executive
Consumer Banking
A key member of a special program, rotating amongst various departments in the Bank,
learning a range of skills from teller to management functions.
Additionally sent to various States for courses to gain a comprehensive understanding of the
banking system, including Conventional and Islamic Banking.
Responsible for selling Housing Loans, Credit Cards, Unit Trust, Study/Personal Loans and
Opening Accounts including Savings/Current/Joint; Handling customer complaints where
necessary.
Assisted branches in hitting sales targets for bank products as well as involvement in
running and managing Launches, Fairs and Road Shows.
Visited sites to ensure projects (housing developments) are going according to plans
submitted and also taking photos of stage of completion for easy reference.
Providing on the job training to new recruits.
Reason for Leaving: Contract Fulfilled
EDUCATION & QUALIFICATIONS
Bachelor of Commerce – Majors: Marketing & Management,
Deakin University, Melbourne, Australia
Diploma in Business Administration & Marketing, Singapore
(Affiliated with Staffordshire University, UK)
Mar 1996-Feb 1999
Jan 1994- Jun 1996
PROFESSIONAL TRAINING & CERTIFICATIONS
Licenses & Certifications
 Certified Professional Marketer (Asia Pacific), Institute of Global Management
 Federation of Malaysian Unit Trust Managers (FMUTM)
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Insurance Part A & C (Malaysia)
Development Skills
 Leadership and People Management
 Personal Development
 Business Continuity Planning
 Handling Conflicts
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Risk Assessments/Risk Mitigation
KPI’s, Lateral Thinking
Anti-Money Laundering (AML)
Know Your Customer (KYC)
IT Skills
 Microsoft Office- Word, Excel
 BDS
 OSCA
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Basel
CRM
HPFLA
PERSONAL DETAILS
Last Drawn Salary
: SGD$4,000 (QR12,000) + Allowances
Expected Salary
: NEG
Job Commencement : Immediate
Nationality
Marital Status
Driving License
Race
: Malaysian (Singapore PR)
: Married
: Class 3
: Sikh
Languages
: Fluent in English and Malay (Spoken/ Written)
: Punjabi and Hindi (Spoken only)
REFERENCES
DBS Bank Ltd (Singapore)
Tel Nos.: +65-6878 9575 / +65-6878 5793
Fax No: +65-6225 5804
Name
Position Held
E-mail Add
Ng Soo Leng
Vice President
ngsooleng@dbs.com
Ramlah Bte Mohd Deros
Asst Vice President
ramlahd@dbs.com