6 Risk Rating Jobs

Job Description Risk Rating Unit Role: Team Member Risk Rating & Compliance Role Objective: Centralized unit independently validating the ratings for Corporate, SME, Business Banking, NBFC, MFIs, Brokers, and Bank Clients across the Bank. Reporting Authority: Head Risk Rating Unit Education: CA/ MBA/ CFA or equivalent from reputed institute Experience: 8 years of post-qualification experience preferably in Business or Credit Function of Bank/ NBFC Job Description: Internal rating validation for Corporate, SME, Business Banking, NBFC, MFI, Broker, and Bank Clients across the bank. Key activities include: Detailed review and understanding of credit (industry, business, financials, management) and credit ratings Preparation of rating rationale along with rationale for any changes in risk scores Review deviations to the Credit Policy of the Bank Recommendations/comments on all proposals placed to Board Level Credit Committee with respect to policy compliance, portfolio risk, and industry prospects Approve judgemental rating action proposed as per delegation matrix Decision making along with the stakeholders (Credit/Business) Effective interaction with Business/Credit Groups across Large Corporates, Emerging Local Corporates, NBFC, Brokers, MFI, Projects, Small Micro Enterprises, and Business Banking Effective resolution of Internal Audit, External Audit, and RBI Queries Periodic review and updation of Industry Risk Scores, including addition of new industries as deemed appropriate Track latest Industry Developments by participation in seminars, conferences, and client site visits Benchmarking of companies within sectors Define and facilitate the achievement of Goals and Key Performance Indicators for direct reports and ensure effective implementation of the Performance Management Process Nurture talent within the team by providing Guidance, Ongoing Feedback, Coaching, and Development Opportunities Develop and nurture a Continuous Talent Pipeline for key roles in the division and provide mentoring for High Potential Talent Ensure adherence to Process and ability to work within pre-decided TAT Skill Sets: Functional: Strong understanding of Finance and Accounting Concepts Ability to identify key characteristics and drivers of diverse Sectors/Businesses Knowledge of Risk Assessment and Control Soft Skills: Good Negotiation Skills Sharp Communication and Presentation Skills Team Player, handling resources Fosters a culture of Quality Focus in the organization by establishing systems/processes and encouraging, rewarding the right behavior Fosters a culture of Continuous Process Improvement and makes balanced investments in the right resources (Technology/People) for enhancing Efficiency and Productivity

Job title Lead Analyst - Loan Review/Credit Risk Assessment Experience 7+ years of experience in credit risk assessment/loan review of commercial credit with good understanding of risk policies and framework, credit lines, and counterparty credit risk Job duties Conduct independent, high quality, comprehensive reviews of borrowers across a diverse range of loan portfolios to assess adequacy of credit quality, loan documentation, credit administration, collateral valuations, risk rating accuracy, and compliance with established policies Analyse and interpret borrower specific information, including an independent assessment of repayment capacity, covenant adherence, legal documentation, and industry risk Interpreting and applying regulatory feedback and requirements as well as bank policies and credit standards and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance Produce workpapers documenting review findings for internal presentation to bank management and external presentation to Line of Business partners and Regulatory review Qualification CA/MBA Finance/Graduate in Finance (Accounting) Skills required Strong knowledge of Indian banking laws and regulations, specifically those which pertain to commercial credit, underwriting, and credit department management Understanding of credit processes, such as loan origination and underwriting; credit policies; portfolio management; allowance for loan and lease losses; loan review and remediation Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus Demonstrated experience overseeing and performing loan reviews is preferrable Effective communication skills and the ability to interact with all levels of management with limited supervision Working knowledge of project planning and project management methods and tools

About The Role : Job TitleVP /AVP- Lending Officer Desk Name/ ManagerLending Asia Location:Mumbai Business/Team Description Deutsche Banks Lending Asia is a well-established team of professionals involved in providing customized and standardized liquidity solutions specifically designed to address theunique and complex needsofultra/highnet worth individuals. Its team members are based across Mumbai, Hong Kong, and Singapore. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under child care assistance benefit (gender neutral) Flexible working arrangements 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 Team Lead Lead the local team of credit analysts and liaise with senior onshore desk heads/counterparts on a regular basis, while managing own set of deliverables Build and develop the local team in terms of skillsets and Book of Work Initial financing enquiries and live execution Financial Analysis of underlying companies and/or collateral. Depending on each enquiry/transaction, including but not restricted to Credit fundamental analysis, analysis of financials, comparable company, valuation analysis, financial modelling As required, general industry overview that relates to the financing enquiry/ transaction Research on sponsors/clients Transaction writeup and internal transaction presentation Collation of relevant research reports, including ratings report to the extent applicable Commercial, business and financial due diligence in a live transaction Preparing/assisting in credit approval analysis and addressing Risk Management queries Post transaction Monitoring transaction covenants (eg financial covenants, information needed on a periodic basis) Transaction amendments and credit renewal process Others Timely input of new/to-be-renewed credit files and risk ratings into the lending digital platform, for onward credit approvals Participate in system testing Potential ad hoc projects Private bank/ Wealth Management experience would be preferable Experience in change management and process improvements initiatives would be helpful for candidate to succeed in the role Your skills and experience Education and Experience: Key Competencies: Prior experience in managing and leading a team with similar skillsets Comfortable with leading a team alongside managing own tasks and responsibilities Prior experience of credit analysis with a strong knowledge of Lending business Highly motivated person with initiative, willing to learn and actively blend with his/her onshore and offshore colleagues. Superior analytical aptitude, problem solving abilities and excellent communication skills Strong understanding of finance with ability to analyze financial statements Team player, Fast thinking, dynamic and a strong work ethic Experience of at least 10 years in a financial institution in a similar role would be preferred Attention to detail and high level of motivation How we'll support you Training and development to help you excel in your career Flexible working to assist you balance your personal priorities 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: 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.

Credit Rating/ Analysis (Associate/ Sr. Associate/ Delivery Lead/ Manager) Job location- Bengaluru/ Gurugram (WFO mode) Job Purpose We are looking for a passionate, energetic individual to join our Lending Services division. You will be part of team working as an extension to our US based client ensuring we fulfill the applicable SLAs. Key Responsibilities The candidate will perform credit risk assessment for General Corporate Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of large corporates Managing a portfolio of clients and handling rating assignments Financial Spreading (preferably on MCL Moodys Credit Lens or any other platform/MS Excel templates) Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc.) Build forecast excel models (Projections and DCF models will be an added advantage) Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client Key Competencies 3-12 years relevant experience in credit review/ appraisal, credit rating, report writing, capital structure, EBITDA, leverage ratio & financial statement analysis for mid-large size corporates OR building financial model, LBO models, DCF/ relative valuations Good communication skills Ability to multi-task, priority setting and meeting deadlines The candidate should possess a highly analytical mind with an eye for detail, as well as a very high level of attention Clear and logical thinking to understand clients requirements

Credit Analysis-FIG/NBFC/ FIS (Sr. Associate/ Delivery Lead/ Manager) Job Location - Gurgaon (Work from office) Job Purpose We are looking for a passionate, energetic resource to join the core Lending Services team. You will be part of team working as an extension to our US based client ensuring we fulfill the applicable SLAs. Key Responsibilities Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of the Banks, Insurance, NBFCs and other Financial Institution counterparties. Managing a portfolio of clients and handling rating assignments. Preparing credit reports by including profile of the counterparty, key rating considerations, credit risk assessment, CAMEL based financial analysis (including profitability, capitalization, liquidity etc). Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client. Key Competencies Strong understanding of credit principles, policies and regulations for Banks and Financial Institutions counterparties. Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree. Excellent written & verbal communication skills and ability to build effective relationships with various stake holders. Ability to multi-task independently under tight timelines and eye for details. 4 -10 years relevant experience in the field of credit analysis for Financial Institution.

Credit Analysis (Associate/ Sr. Associate/ Delivery Lead/ Manager) Job location - Gurgaon (Work from office) Role & responsibilities Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of mid-large corporates. Managing a portfolio of clients and handling rating assignments. Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc). Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client. Preferred candidate profile Strong understanding of credit principles, policies and regulations. Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree. Excellent written & verbal communication skills and ability to build effective relationships with various stake holders. Ability to multi-task independently under tight timelines and eye for details. 3 - 10 years relevant experience