Credit Officer, Associate

**Credit Officer, Associate**:
**Job ID**:R0372972

**Full/Part-Time**:Full-time

**Regular/Temporary**:Regular

**Listed**:2025-04-25

**Location**:Mumbai

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

**Job Tit**le
- Credit Officer, Associate**

**Location
- Mumbai, India**

**Role Description**
- Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients.
- Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organization.
- In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organization and the wider industry agenda.
- The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risk’s transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same.

**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**
- Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis.
- Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval.
- Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same.
- On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments,news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DB’s exposure in mind.
- Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews.
- Monitoring of limits/exposure: Updating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs.
- Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations
- Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DB’s exposure and timely completion of the credit reviews.
- Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies.
- Ensure compliance with relevant and applicable local and global regulatory and policy requirements

**Your skills and experience**
- Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc.
- Relevant work experience in credit underwriting
- Strong analytical skills, knowledge of financial markets and economic/industry trends
- Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance

**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**

Please visit our company website for further information:
We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.
Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.