Ravinder Kaur Darsan Singh
CPM(Asia Pacific) BCom (Marketing & Management)
OVERVIEW
Over 10 years of experience in Consumer/Retail Banking/Corporate
Banking Sector with managing Conventional & Islamic Portfolios for Hire
Purchase/Housing/Study Loans, Customer Service/Care/Complaints,
Credit Card/Unit Trust Sales, Opening of Depository Accounts and
handling Complex/Simple Documentations.
EXPERIENCE
DBS BANK LTD (Singapore)
Enterprise Banking (EB) Associate
Risk Management Group
July 2008 to 15 May 2012
Successfully employed by DBS Bank in July 2008 as a Corporate Banking Associate and I was
assigned to assist with the growing volume for Hire Purchase (HP) and Government aided loans
which were in line with Singapore’s Government Budget (LEFs) which came under EB Loans,
after 1 and half years. Main Responsibilities were to review documents for all different types of
EB products/facilities and to ensure that the terms in the documents did not breach the terms
of the approvals obtained and were in compliance with the bank’s guidelines, banking laws and
the country’s law.
Job Description: EB Associate

Ensured that the facilities that were to be activated/disbursed were supported with the
right documents and that the documents had been duly executed and charged where
applicable.

Liaised with either the Credit Approver (CA)/Relationship Managers (RM)/Business Support
Units (BSU)/ Hire Purchase (HP) Team/Lawyers when there were deviations/discrepancies
from the approvals obtained or from standard terms and conditions of the bank.

Provided on the job training to new colleagues and other department recruits on
HP/Business Loan/Overdraft Facilities/Long Term Guarantees and LEFs Loans.

Checked and Approved disbursements for activation/disbursements.

Covered the Assistant Vice President’s (AVP) duties when she was on leave or was away
from office.

Assisted in mock runs for certain system integration especially for HP cases.
Job Description: Corporate Associate (Credit Control Unit-Complex Documentation)
________________________________________________________________________________
Address: Apartment Block 254, #07-255, Pasir Ris St.21, Singapore (510254) / Al Saad (Qatar).
Mobile: (+65) 9853 3975/ (+974) 3304 1079
Email
: vin_1376@hotmail.com
Ravinder Kaur Darsan Singh
CPM(Asia Pacific) BCom (Marketing & Management)

Ensured that the appointment of lawyer’s instruction was correct and in line with the
product/facilities. I also ensured that the right collateral was mentioned.

Ensured that all documents that have been used especially from different countries, did not
violate the country’s laws or laws of Singapore.

Liaised with lawyers to ensure the deviations from certain documents was not
detrimental to the bank.

Ensured that the facilities that were to be activated were supported with the right
documents and the documents had been duly executed and charged.

Liaised with either CA/RM whenever there was a deviation from the approvals obtained or
from standard terms and conditions of the bank.

Assisted with inter-department disbursements i.e. LEFs loan which falls under EB.

Provided on the job training to colleagues and new staff on LEFs loan.

Assisted with monthly reports on deferment of Loan documents and escalated to higher
management when required.

Assisted RM with queries on documentation and legal opinions.
Accomplishments: Came up with checklist for checking Documents for LEFs loan,Simple and
Complex cases and I have checked and disbursed urgent/major cases within 2 working days.
EON BANK BERHAD (Kuala Lumpur, Malaysia)
Head of Documentation for Hire Purchase (HP)
Dec 2003 to Jul 2007
Successfully employed by EON Bank in 2003 as a Bank Executive and was assigned as Head of
Documentation for Hire Purchase within 12 months, posted to Taman Midah Retail Centre
which overseas 16 branch clusters. Main Responsibilities were to oversee that the Hire
Purchase (HP) Loans for both Conventional and Islamic loans were disbursed with the right
supporting documents in compliance to the bank’s guidelines and banking laws.
Job Description: Head of Documentation

Ensured that the HP loans were parked in the right cluster branches upon processing and
disbursement.

Ensured that the processing of the HP Loans were in Compliance with the bank’s guidelines
and banking law before disbursing.

Ensured that all HP loans disbursed are supported with the right documents if not to
channel back to the processing or sales officer.

Ensured after disbursement, all Securities are taken out of files and filed into the security
room according to the cluster branches.
________________________________________________________________________________
Address: Apartment Block 254, #07-255, Pasir Ris St.21, Singapore (510254) / Al Saad (Qatar).
Mobile: (+65) 9853 3975/ (+974) 3304 1079
Email
: vin_1376@hotmail.com
Ravinder Kaur Darsan Singh
CPM(Asia Pacific) BCom (Marketing & Management)

Ensured all HP Agreements and Guarantee Agreements are in order before sending out to
customers.

Ensured all Registration Cards (RC) had been obtained from the car dealers and sent to the
cluster branches for their save keeping.

Ensured reminders are sent out for the agreements returned.

Ensured all files are filled in accordance to the Guidelines and sent to the Head Office every
month.

Ensured the files sent to Head Office are accompanied by an Officer.

Ensured weekly and monthly reports are prepared and circulated to all staff once approved.

Held the Security keys and the password to opening and closing of the bank centre.

Provided new employees with on job training

Assisted the Credit Review for Revolving Credit for Housing Loan Department.

Assisted the Floor Stocking Department on Disbursement, Settlement and was the relief for
the Department Head in their absence.

Managed the user ID and Password accounts for both existing and new employees.

Monitored loans and reported on Anti-Money Laundering activities.
Job Description: Bank Executive

Processed and Disbursed Housing Loans in accordance to the Bank’s Guidelines, Sales and
Purchase Agreement according to legal requirements.

Collected Loan documents and gave recommendations.

Managed and oversaw Launches.

Handled customers’ complaints including finding solutions.

Attended meetings with customers, lawyers and developers at branch, sites and offices.

Visited sites to ensure projects (housing developments) were going according to plans
submitted and also took photos of stage of completion for easy reference.

Processed, Disbursed and Settled Floor Stocking in accordance to the Bank’s Guidelines and
legal requirements.

Represented the branch and was trained on the system to be used after the merger
(between Finance and Bank).

Assisted with the branch’s mock runs before the merger took place.

Assisted in getting Bridging Loans for Developers by co-ordinating with Head Office staff.

Helped the collection department for Housing Loans when requested.
Accomplishments: Revamped the Hire Purchase Department within the time frame given.
________________________________________________________________________________
Address: Apartment Block 254, #07-255, Pasir Ris St.21, Singapore (510254) / Al Saad (Qatar).
Mobile: (+65) 9853 3975/ (+974) 3304 1079
Email
: vin_1376@hotmail.com
Ravinder Kaur Darsan Singh
CPM(Asia Pacific) BCom (Marketing & Management)
RHB Bank Berhad (Kuala Lumpur, Malaysia)
Jun 2001 to Nov 2003
Consumer Sales Executive (CSE)
Successfully employed as a contract staff with responsibilities to get customers for
Conventional and Islamic Housing Loans and processed the said loans with due
recommendations as well as cross sell other RHB’s banking products.
Job Description:

Sold Housing Loans, Credit Cards, Unit Trust, Study/Personal Loans and Opening Accounts Savings/Current/Joint.

Assisted branches in hitting sales targets for bank products.

Assisted in running and managing Launches, Fairs and Road Shows.

Handled customer complaints

Liaised with customers, lawyers and developers at branches as well as at sites and offices.

Collected Loan documents, Processing Loans and giving recommendations.

Visited sites to ensure projects (housing developments) are going according to plans
submitted and also taking photos of stage of completion for easy reference.
Accomplishments:
Hit required targets given and was top for Depository Products.
EDUCATIONAL BACKGROUND
Institute of Global Management Sdn Bhd (Malaysia)
Oct 2000 to May 2001

Certified Professional Marketer (Asia Pacific)

Affiliated Federation: Asia Pacific Marketing Federation
Deakin University (Geelong-Australia)

Mar 1998 to Feb 1999
Bachelor of Commerce – Majors: Marketing & Management)
Disted College-Twinning College (Penang-Malaysia)

Jul 1996 to Feb 1998
Bachelor of Commerce – Core subjects
TMC Education Group (Singapore)

Diploma in Business Administration & Marketing

Affiliated University: Staffordshire University (UK)
Jan 1996 to Jun 1996
LICENSES OBTAINED
 Federation of Malaysian Unit Trust Managers (FMUTM)

Insurance Part A & C (Malaysia)
________________________________________________________________________________
Address: Apartment Block 254, #07-255, Pasir Ris St.21, Singapore (510254) / Al Saad (Qatar).
Mobile: (+65) 9853 3975/ (+974) 3304 1079
Email
: vin_1376@hotmail.com
Ravinder Kaur Darsan Singh
CPM(Asia Pacific) BCom (Marketing & Management)
COURSES & TRAINING
Attended various in-house & external courses in:
 Leadership,
 People Management,
 Handling Conflicts,
 Personal Development,
 Risk Assessments,
 Business Continuity Planning,
 KPI’s, Lateral Thinking etc
REFERENCES
DBS Bank, Shenton Way (Singapore)
Tel Nos.: +65-6878 9575/+65-6878 5793
Fax No: +65-6225 5804
Name
Ng Soo Leng
Ramlah Bte Mohd Deros
E-mail Add
ngsooleng@dbs.com
ramlahd@dbs.com
Position Held
Vice President
Asst Vice President
EON Bank Berhad , Taman Midah Retail Centre (Malaysia)
Tel Nos. : 603-9132 9588/603-9132 8566
Fax Nos.: 603- 9132 4744/603-9131 2388
Name
Position Held
Teng Yong Khoon
Head
Adelyn Wee Peck Lian Manager
E-mail Add
teng.yongkhoon@eonbank.com.my
wee.pecklian@eonbank.com.my
OTHER PERSONAL DETAILS
Job Commencement: Immediate
Last Drawn Salary:
SGD$3870 - (QR11,000)
Expected Salary:
Neg.
Nationality:
Malaysian /Singapore PR (Permanent Resident)
Marital Status:
Married (Husband employed in Doha.)
Current Visa:
Visit Visa
Race:
Sikh
Computer Skills:
Microsoft applications, CRM, Basel, LAN, BDS
Languages Spoken:
English/Malay/Punjabi/Hindi
________________________________________________________________________________
Address: Apartment Block 254, #07-255, Pasir Ris St.21, Singapore (510254) / Al Saad (Qatar).
Mobile: (+65) 9853 3975/ (+974) 3304 1079
Email
: vin_1376@hotmail.com