DILIP L. SINGH

 Lead a seven-member team managing an oil-sector LC portfolio of USD 3 billion, ensuring flawless processing and compliance with global sanctions programmes.  Drive SLA governance, cutting turnaround time and boosting straight-through processing rates.  Oversee daily LC / SBLC issuance, document examination and financing workflows; resolve complex client queries in partnership with Sales and Product.  Administer FCC checks and red-flag monitoring (vessels, carriers, commodities) to mitigate TBML risk.  Oversaw trade, payments, and treasury transactions for institutional clients in Dubai, Europe, and Africa, while cultivating and managing banking relationships across the GCC, Europe, and Africa.  Coordinate inter-bank approvals for import LCs, trust receipts, overdrafts and export-document submissions to optimize credit-line utilisation and cash-flow planning.  Champion ancillary-income growth by mapping client needs to trade, FX and cash-management solutions.  Maintain end-to-end receivables control for centralised stations, collaborating with sourcing & trading desks to accelerate collections.  Provide regulatory assurance by aligning every transaction with DFSA and RBI guidelines and internal risk appetite.  Supply financial data to Finance & Planning, enabling accurate budgeting and commercial-costing oversight.  Mentor, appraise and upskill team members, embedding a culture of accountability and continuous improvement.  Liaise with Technology on system enhancements and UAT cycles to elevate processing resilience.  Manage daily SWIFT traffic (e.g., MT103 / MT202) and settlement reconciliations for seamless treasury funding.

 Owned import & trade-credit product P&L, tracking volume, margin and risk drivers.  Drafted and critically reviewed Master Risk Participation documentation, ensuring full compliance with all legal, regulatory, and internal requirements.  Originated / distributed FI assets, deepening deal flow with counter-party banks.  Drafted materials for new-product approval committees and secured timely sign-offs.  Partnered with Digital Banking on product digitalisation and process automation.  Conducted portfolio reviews and stress tests to fine-tune credit appetite.  Coordinated cross-sell campaigns with Relationship & Treasury teams.  Supported training programmes for frontline staff on new trade offerings.

 Delivered real-time advisory to corporates, lifting client satisfaction and fee revenue.  Enforced OFAC / UN / EU sanctions screening and AML/CFT safeguards.  Monitored SLAs, driving faster turnaround with Operations & Technology.  Managed full trade-document lifecycle, LC issuance and financing loans.  Ensured regulatory compliance with HKMA and RBI standards.  Followed up outstanding bills / loans, shrinking past-due exposures.  Guided junior team members on complex structured-trade cases.

 Processed LC, BG and commodity-finance transactions in line with bank policy.  Liaised with Structured-Finance RMs to structure bespoke trade deals.  Managed import/export collections, negotiation and discounting of bills.  Verified credit-approval conditions pre-drawdown and flagged exceptions.  Provided training that lowered defect ratios across processing teams.  Supported branches in Asia / ME for buyers’ credit documentation.  Led reconciliations and MIS reporting to senior management.

Managed LC & BG desks, co-authored trade-processing manual that standardized nationwide operations.

Oversaw daily treasury, statutory reporting and trade documentation for mineral imports/exports.

Supported audit, reconciliations and compliance reviews across SME clientele.