Credit Risk

2 weeks ago

Mumbai, India Deutsche Bank Full time

**In Scope of Position based Promotions (INTERNAL only)**

**Job Posting Title: Risk Specialist / Credit Officer**

**Location: Mumbai**

**Role Description**:
Deutsche Bank follows an integrated risk management approach under the independent Risk function, which includes Credit Risk Management. The Credit Risk Management team manages credit risk on behalf of Deutsche Bank Group, Corporate and Investment Banking Division. The team manages a broad mix of Corporate and Financial Institution (FI) counterparties across a full commercial
- and investment banking product suite, based on a full overview of credit markets and trends. Experience of analyzing both counterparty types and a good derivative knowledge is required.

**What we’ll offer you**

As part of our flexible scheme, here are just some of the benefits that you’ll enjoy
- Best in class leave policy
- Gender neutral parental leaves
- 100% reimbursement under childcare assistance benefit (gender neutral)
- Sponsorship for Industry relevant certifications and education
- Employee Assistance Program for you and your family members
- Comprehensive Hospitalization Insurance for you and your dependents
- Accident and Term life Insurance
- Complementary Health screening for 35 yrs. and above

**Your key responsibilities**

Cover a portfolio of Japanese Corporate and/or FI counterparties. This role will involve managing the portfolio within defined risk parameters, review credit proposals, write credit and rating reports, recommend and (after an appropriate time and formal award of credit authority) co-approve transactions, and negotiate credit related documentation. Products covered include the full spectrum of commercial banking facilities (committed loans, trade finance) and capital markets products including FX, commodity, interest rate and equity derivatives.
- Responsibility for managing a portfolio of circa 30-40 credit groups (Corporate and/or FI)
- Identify, understand and manage counterparty
- as well as product risks in your client portfolio
- Develop and implement counterparty specific de-risking strategies
- Ensure portfolio quality and documentation standards are maintained
- Monitor market, industry and counterparty developments and develop and adhere to counterparty as well as industry strategies
- Support business by providing trade & structuring solutions
- Monitor target markets and undertake due-diligence calls and visits
- Represent CRM in conference calls and business meetings
- Interact and co-ordinate with other Control and Back Office functions within the DB organization
- Support regulatory audits and related data management exercises related to your portfolio
- Maintain highest risk management standards by adhering to risk policies and procedures
- Contribute to improvements in CRM processes with an aim to raise efficiency

**Your skills and experience**:

- Ability to engage with business and help/ guide their transactions/ structures such that they can be facilitated within the bank’s risk appetite
- Ability to think laterally, to manage transactions independently, identify key risks in and provide recommendations to senior management in the context of bank’s risk appetite & ‘risk versus reward’ balance
- Good derivatives knowledge
- Familiarity with providing standalone ratings for counterparties or structured trades
- Strong verbal and written communication skills, present factual information in a structured, clear, confident and concise way
- High self-motivation and hungry to learn

**Qualifications**

**Essential**:

- Minimum Undergraduate Degree
- Formal credit training

**Desirable**:

- CFA

**Experience**

**Essential**:

- At least 3 years Credit Risk experience
- Broad product knowledge across
commercial banking and derivatives
- Experience with documentation

**Desirable**:

- Preferably within an investment banking credit environment
- Overseas assignment
- Japanese language skills

**Skills**
- Strong credit skills
- Good knowledge of principal risk mitigating documentation techniques
- Excellent interpersonal skills and the ability to relate to people at all levels
- Team player attitude and flexibility are essential
- Excellent organizational and administration skills
- Strong written and verbal English skills
- Lotus Notes, Microsoft Excel, Microsoft Word, PowerPoint
- Experience in risk management for real estate or distressed products

**How we’ll support you**
- Training and development to help you excel in your career
- Coaching and support from experts in your team
- A culture of continuous learning to aid progression
- A range of flexible benefits that you can tailor to suit your needs

**About us and our teams**

Our values define the working environment we strive to create - diverse, supportive and welcoming of different views. We embrace a culture reflecting a variety of perspectives, insights and backgrounds to drive innovation. We build talented and diverse teams to drive business results

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