Credit Officer, AVP

As a Credit Officer, AVP at Deutsche Bank in Mumbai, India, you will play a crucial role in the Risk division by protecting the Bank from credit, market, operational, and reputational risks. With a team of 4,000 employees, the Risk division aims to be an industry-leading risk management organization. Your responsibilities will include: - Undertaking accurate and timely credit analysis of counterparties, including Corporates and FIs, by identifying business and financial risks based on understanding of business models, financial statement analysis, preparing cash flow models, and peer analysis. - Writing rating reports and credit reviews/analysis for recommendation to senior members for approval. - Actively participating in live trades with onshore credit officers by understanding trade dynamics, providing recommendations, and completing credit write-ups. - Monitoring and surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc., to assess the impact on credit worthiness. - Understanding various banking products and credit documentation, supporting with appropriate checks and inclusion in credit reviews. - Managing your own credit portfolio and assisting senior decision-makers in making informed decisions based on your recommendations. - Interfacing directly with credit officers and other stakeholders to ensure a complete understanding of exposure and timely completion of credit reviews. - Participating in ad-hoc projects related to portfolio exercises, regulatory developments, sector notes, audit exercises, and supporting business strategies. Qualifications required for this role include professional qualifications such as MSc, MA, MBA, CA, CFA, etc., along with relevant work experience in credit underwriting. Strong analytical skills, knowledge of financial markets, economic/industry trends, accounting background, financial ratios, financial statement analysis, cash flow projections, or project finance are essential. Deutsche Bank offers a range of benefits including best-in-class leave policy, parental leaves, childcare assistance, sponsorship for industry relevant certifications, employee assistance program, hospitalization insurance, accident and term life insurance, health screening, training and development, coaching, and a culture of continuous learning. Deutsche Bank promotes a positive, fair, and inclusive work environment where employees are empowered to excel together every day. Visit the company website for further information: [Deutsche Bank](https://www.db.com/company/company.htm).,