Risk Specialist

Deutsche Bank AG; West Nipissing; Sur place; CAD 90 000 - 150 000; Plein temps

Résumé du poste

Deutsche Bank AG in Canada is seeking a senior specialist to support Wealth Management lending, focusing on complex structured loans, risk assessment, and documentation. You will advise front-office staff on credit approvals and risk mitigants while maintaining strict risk controls and compliance with policies.

The role requires strong credit analysis, familiarity with DCF and valuation methods, and the ability to collaborate with auditors and senior management under tight deadlines.

Qualifications

• Bachelor’s or Master’s degree in Engineering, Mathematics, Economics, Statistics, Science, MBA or equivalent experience.
• Experience in structured finance and corporate/investment banking credit in major international financial institutions.
• Good knowledge of WM products, illiquid investments and their risk/valuation drivers.

Responsabilités

• Partner with Lending and Client Advisors to grow the Wealth Management lending book by structuring non-standard transactions and documenting risk mitigants.
• Advise front-office staff on credit approvals, requirements and relationship matters to manage risk.
• Maintain portfolio quality and monitor concentrations, covenants and risk systems.
• Coordinate with internal and external auditors to ensure smooth audits and timely issue resolution.
• Provide timely, transparent communication on decision-making with risk analysis and conditions to stakeholders.

Connaissances

Credit analysis

Risk assessment

Stakeholder management

Financial modelling

Structured finance

Formation

Engineering degree

Economics degree

Statistics degree

MBA

Outils

AI tools

Risk systems

Description du poste

• Partner with Lending and Client Advisors to grow the Wealth Management lending book by structuring non-standard transactions, reviewing term sheets and bespoke documentation, and proposing risk mitigants. Advise front-office staff on credit approvals, requirements and relationship matters to manage risk and achieve optimal solutions
• Portfolio coverage will primarily comprise complex structured loans including lending against unlisted / unrated / illiquid securities; holdco / mezz structures with heavy reliance on operating cash flows of the company whose shares have been pledged as well as regular large Margin Lending esp. against illiquid, non-investment grade rated securities as well as Commercial Real Estate Loans. Review will often require fundamental equity / collateral valuation including Discounted Cash Flow (DCF) based review
• Maintain portfolio quality through robust portfolio management and ensure concentrations and limits remain within risk appetite, policies and regulations. Manage daily lending-value shortfalls, monitor bookings, covenants and conditions, ensure credit terms are correctly documented, and keep risk systems accurate and up to date
• Work with both internal and external auditors to ensure that audits progress smoothly and that any issues raised are resolved promptly
• Credit authority under 4-eye principle targeted. Provide timely, transparent communication on the decision-making including risk analysis and approval conditions to the key stakeholders

Preferably a Bachelor’s or Master’s degree in Engineering, Mathematics, Economics, Statistics, Science, Master of Business Administration (MBA) or equivalent experienceCollaborative, flexible and self-motivated, with the ability to meet deadlines under pressure and work effectively with front-office staff. Strong stakeholder management and communication skills, translating complex risks into clear recommendations for senior managementGood knowledge and experience with fundamental credit analysis, valuation methodologies (DCF, Comparable/Multiple Approach). In addition to understanding loan structures and loan documentation, also possess knowledge of structured financial products, derivatives and associated risksExperience in structured finance and corporate / investment banking credit in major International Financial Institutions. Commercial Real Estate credit experience will be highly welcomed. Good understanding of WM products, alternative and illiquid investments (Private Equity, Private Debt, Infrastructure, Real Estate, Hedge Funds) and their key risk and valuation driversStrong written and verbal communication, with concise reporting skills. An analytical, independent decision-maker who can support and defend conclusions while remaining open to opposing stakeholder viewsProven ability to leverage AI tools to enhance productivity, optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs