Credit Officer, AVP

Deutsche Bank; Mumbai; On-site; INR 2,400,000 - 3,600,000; Full time

Benefits offered by this job

Best leave policy

Gender-neutral parental leaves

Childcare reimbursement

Certifications sponsorship

EAP for you and family

Hospitalization insurance

Job summary

Deutsche Bank's CRE India hub in Mumbai is seeking a Credit Officer, AVP to manage surveillance and monitoring of approved transactions, portfolio risk and credit write-ups. You will perform annual credit reviews, monitor KRIs, covenant compliance, and interact with stakeholders including auditors and regulators.

The role demands strong credit analysis, cash flow modelling, and experience with non-investment grade lending; offers a robust benefits scheme.

Qualifications

• 5-7+ years of credit analysis experience in non-investment grade lending.
• Strong cash flow modelling and forecasting skills.
• Ability to work independently under time pressure.
• Excellent written and verbal communication.

Responsibilities

• Review, recommend and approve transactions across business units.
• Undertake accurate credit analysis of counterparties using financial statements.
• Write rating reports and credit reviews for senior approval.
• Monitor international portfolios and assess impact of market developments.
• Understand banking products and credit documentation.
• Ensure compliance with local and global regulatory requirements.

Skills

Credit analysis

Cash flow modelling

Financial analysis

Communication skills

Education

Bachelor's/Master's degree

Job description

Job Description:

In Scope of Position based Promotions (INTERNAL only)

Job Title: Credit Officer, AVP

Location: Mumbai, India

Role Description

The Commercial Real Estate (CRE) credit team is tasked with managing the real estate credit risk for Deutsche Bank's Commercial Real Estate Group. Our newly built and expanded CRE India hub will be an integral part of the CRE credit team, with particularly focus on managing all aspects of surveillance and monitoring for all approved transactions retained / on balance sheet.

Responsibilities will include (but are not limited to) annual credit and rating reviews, monitoring of counterparty and market developments including drawing respective conclusions and make recommendations around impact; also providing ongoing review and monitoring of KRIs (key risk indicators), watchlist commentary and reviews, covenant compliance, valuations developments and impact to ensure adequate and forward looking surveillance and propose rating adjustments as applicable. Outside of ongoing transaction and limit monitoring, the credit officers will also be supporting / coordinating requests from key stakeholders internally and externally (including auditors and regulators).

What we'll offer you

As part of our flexible scheme, here are just some of the benefits that you'll enjoy,

• Best in class leave policy.
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• 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

• Credit Officer responsible for reviewing, recommending and approving transactions across business units and wide spectrum of products.
• Undertake accurate and timely credit analysis of counterparties 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 approval of live trades 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 DB's exposure in mind.
• Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same.
• 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.
• Complete ownership of the Credit portfolio to take informed decisions based on your recommendations
• Interface directly across with the other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DB's 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 work out various business strategies.
• Liaise with clients, interface directly with front office staff and other CRM units on credit approvals, credit requirements and relationship matters
• Ensure compliance with relevant and applicable local and global regulatory and policy requirements
• Maintain DB's high underwriting standards and drive resolution with business units and key stakeholders.

Your skills and experience

• Educational qualification (preferable): Bachelor's or Master's degree in Accounting, Engineering, Mathematics, Economics, Statistics, Finance, MBA, CA
• 5-7+ years of credit analysis experience, with experience in non-investment grade lending
• Analytical skills, including cash flow modelling / forecasting and understanding of derivative structures
• Ability to work independently under time pressure and focus on multiple reviews/ transactions at once
• Strong written and oral communication skills

How we'll support you

• Training and development to help you excel in your career.
• 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.html

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 Deuts