Credit Risk Officer, AS

 
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In Scope of Position based Promotions (INTERNAL only)
Job TitleCredit Risk Officer
LocationMumbai, India
Role Description
Chief Risk Office Vision is to provide industry-leading independent risk management capabilities in an innovative and efficient manner. Deutsche Bank is exposed to a wide range of risks every day. Credit losses, volatility of market prices, operational failures, infrastructure outages, liquidity shortages, and regulatory and legal matters can all have an impact on the banks capital and reputation. The CRO function has Group-wide, supra-divisional responsibility for the management/control of all credit, market, operational & liquidity risks and the continuing development of methods for risk measurement. In addition, CRO function is responsible for monitoring, analysing and reporting risk on a comprehensive basis. CRO function is structured along three core dimensionsbusiness aligned coverage; overarching regional risk management; and risk & control functions. This includes Credit Risk Management, Market & Valuation Risk Management, Liquidity Risk Management; Anti-Financial Crime, Compliance, Non-Financial Risk Management, Business Selection & Conflicts Office, Enterprise Risk Management, Group Strategic Analytics, and Chief Operating Office.About Credit Risk Management Function
Credit Risk is a centralised risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the banks Enterprise Risk Management framework.Credit Risk enables CRO to strengthen, enhance and improve control of the banks credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the banks capital.What well offer you

100% reimbursement under childcare assistance benefit (gender neutral)

Sponsorship for Industry relevant certifications and education

Accident and Term life Insurance

Your key responsibilities

Credit Officer responsible for reviewing, recommending and approving complex/structured transactions across business units and wide spectrum of products.

Support business units in driving strategy to drive optimum risk / return and in line with overall portfolio strategy and risk appetite.

Maintain DBs high underwriting standards and drive resolution with business units and key stakeholders.

Liaise with clients, interface directly with front office staff and other CRM units on credit approvals, credit requirements and relationship matters

Effective resolution of conflicting views with Business in a constructive and professional manner, maintaining DBs underwriting standards, at the same time supporting the Business to achieve agreed targets

Perform portfolio reviews to ensure risk are proactively assessed and managed.

Drive audit and regulatory agenda as required.

Your skills and experience

Around 3-4 years of experience in credit / financial risk analysis for Corporates and FIs and at least working knowledge of relevant banking products.

Good understanding of credit risk associated with corporate and investment banking products and business; product knowledge including Financing, Commercial Real Estate, Commercial Banking, Trade Finance and Derivative products

Corporate and Financial Institution credit analysis skills with understanding of industry risk drivers; established negotiation skills to deal effectively with conflicting priorities & resources

Ability to build strong relationships internally with divisional clients locally & globally, as well as internal stakeholders

Technically strong, with a good understanding of global risk regulations

Educated to Masters degree level or equivalent professional qualification/relevant work experience. Additional qualification in Risk management would be preferred.

How well support you

About us and our teams
Please visit our company website for further information:https://www.db.com/company/company.htm
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.We welcome applications from all people and promote a positive, fair and inclusive work environment.