Credit Officer

Deutsche Bank; Mumbai; Presencial; INR 1.200.000 - 2.400.000; Jornada completa

Descripción de la vacante

Deutsche Bank is seeking a credit analyst to undertake accurate and timely credit analysis of counterparties, including corporates and financial institutions. You will prepare cash flow models, perform peer analyses, and write rating reports for senior approval.

You will actively participate in live trades with onshore credit officers, monitor portfolios, and ensure compliance with regulatory requirements while updating credit data and limits across systems.

Formación

• Experience in credit analysis and underwriting for large corporates.
• Ability to prepare cash flow models and conduct peer analysis.
• Experience writing rating reports and credit reviews for senior approvals.
• Strong analytical skills and understanding of financial markets.
• Knowledge of banking products and credit documentation.

Responsabilidades

• Undertake accurate and timely credit analysis of counterparties including corporates and financial institutions.
• Write rating reports and credit reviews for approval recommendations.
• Participate in live trades with onshore credit officers and complete credit write-ups.
• Monitor portfolios and assess impact of market developments on credit worthiness.
• Understand banking products and credit documentation; support KCP in reviews.
• Update limits and credit data in systems; monitor exposures and covenants.
• Manage own credit portfolio and advise senior decision makers.
• Interface with credit officers and stakeholders to ensure complete exposure understanding.
• Participate in ad-hoc portfolio projects and regulatory updates.

Conocimientos

Credit analysis

Credit underwriting

Financial statement analysis

Cash flow modeling

Peer analysis

Rating reports

Credit reviews

Risk assessment

Regulatory compliance

Stakeholder communication

Descripción del empleo

Role & 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 DBs 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 DBs 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

Preferred candidate profile:

Candidates should have good experience with Credit analysis , Credit underwriting with large corporates.

Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs)

Identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis

Rating reports and credit reviews/analysis for recommendation to Senior members for approval.

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