Credit Officer, AVP

Deutsche Bank AG; Mumbai; Vor Ort; INR 2.500.000 - 4.000.000; Vollzeit

Benefits dieser Stelle

Leave policy

Parental leaves

Childcare reimbursement

Certifications sponsorship

Employee Assistance Program

Hospitalization insurance

Term life insurance

Health screening

Zusammenfassung

Deutsche Bank AG in Mumbai seeks a Credit Officer (AVP) to manage commercial real estate credit surveillance and approvals. You will analyze counterparties, prepare rating reports, and monitor portfolios for covenant compliance while coordinating with auditors and regulators.

The role requires 5-7+ years of credit analysis experience, strong cash flow modelling, and excellent communication. Benefit-rich controls and a flexible scheme are offered as part of the CRE hub in Mumbai.

Qualifikationen

• 5-7+ years of credit analysis experience in banking or corporate lending.
• Bachelor’s or Master’s degree in Accounting, Finance, Economics or related field.
• Strong cash flow modelling and forecasting skills; familiarity with derivatives is a plus.
• Excellent written and oral communication, able to interface with regulators and auditors.

Aufgaben

• Review, recommend and approve transactions across business units and product types.
• Perform accurate credit analysis of counterparties, including cash flow and peer analysis.
• Prepare rating reports and credit reviews for senior approvals.
• Monitor assigned portfolios, track ratings and covenant compliance, and update credit data.
• Interface with front office, risk management, and operations to ensure timely credit reviews.

Kenntnisse

Credit analysis

Cash flow modelling

Risk assessment

Communication skills

Analytical thinking

Ausbildung

Bachelor’s or Master’s degree in Accounting/Finance/Economics

Tools

Excel

Credit risk systems

Jobbeschreibung

Job Description:In Scope of Position based Promotions (INTERNAL only)Job Title: Credit Officer, AVPLocation: Mumbai, IndiaRole DescriptionThe 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 youAs part of our flexible scheme, here are just some of the benefits that you’ll enjoy,Best in class leave policy.Gender neutral parental leaves100% reimbursement under childcare assistance benefit (gender neutral)Sponsorship for Industry relevant certifications and educationEmployee Assistance Program for you and your family membersComprehensive Hospitalization Insurance for you and your dependentsAccident and Term life InsuranceComplementary Health screening for 35 yrs. and aboveYour key responsibilitiesCredit 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 approvalActive 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 recommendationsInterface 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 mattersEnsure compliance with relevant and applicable local and global regulatory and policy requirementsMaintain DB’s high underwriting standards and drive resolution with business units and key stakeholders.Your skills and experienceEducational qualification (preferable): Bachelor’s or Master’s degree in Accounting, Engineering, Mathematics, Economics, Statistics, Finance, MBA, CA5-7+ years of credit analysis experience, with experience in non-investment grade lendingAnalytical skills, including cash flow modelling / forecasting and understanding of derivative structuresAbility to work independently under time pressure and focus on multiple reviews/ transactions at onceStrong written and oral communication skillsHow we’ll support youTraining 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 teamsPlease visit our company website for further information:https://www.db.com/company/company.htmlWe 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.