Credit Risk Management - Risk Analyst

Deutsche Bank AG; Kampung Malaysia Tambahan; On-site; MYR 90,000 - 150,000; Full time

Job summary

Deutsche Bank AG in Malaysia seeks an Analyst in Credit Risk Management to oversee a diverse portfolio, support regulatory reporting, and contribute to risk-based decision making. The role involves evaluating counterparty exposure, preparing credit reports, and guiding risk-based strategies for corporates, banks, and other clients.

The position emphasizes collaboration with relationship teams, real-time monitoring, and adherence to local and global credit policies.

Qualifications

• Postgraduate qualifications in finance or business.
• 1-2 years in credit risk management in wholesale banking.
• Understanding of financings, trade finance, and global markets (FX, rates, commodities).
• Strong technical and analytic skills, risk judgment.
• Strong written and verbal communication skills.
• Proven ability to make time sensitive credit decisions.
• Ability to leverage AI tools to enhance productivity with responsible use of data and AI outputs.

Responsibilities

• Approve Counterparty Credit Exposure limits for Transaction Banking products and FX Hedging/Derivatives; approve structured products at transaction level.
• Write Credit Reports and assign internal Credit Ratings based on industry, business and financial analysis.
• Monitor performance of companies & sectors in real time and adjust ratings/limits as risk changes.
• Ensure effective utilization of Bank’s capital at Client level and coordinate with Relationships for exit/pricing when needed.
• Provide regular MIS to senior management on portfolio composition and status of accounts.
• Support portfolio management activities including system-related tasks per global credit policies.
• Ensure regulatory reporting for Credit Risk Management in line with Bank Negara Malaysia requirements.
• Provide RISCO approvals and local endorsements for multinational clients.
• Ensure satisfactory outcomes of internal asset quality reviews and regulatory audits.

Skills

Postgrad qualifications

Credit risk management

Wholesale banking

Trade finance

FX & commodities

Analytical skills

Risk judgment

Written communication

Verbal communication

Credit decisions

AI tools usage

Education

CA / CWA / MBA / FRM

Job description

Details of the Division and Team

Analyst within the Credit Risk Management with responsibilities of managing a portfolio comprising of Corporates, Banks, Insurance Companies, Mutual Funds etc.

Position Overview

Details of the Division and Team

Analyst within the Credit Risk Management with responsibilities of managing a portfolio comprising of Corporates, Banks, Insurance Companies, Mutual Funds etc.

In addition to managing an assigned portfolio of clients, the candidate is also expected to support the bank on regulatory and related portfolio reporting activities and other tasks connected with the overall credit risk management.

What we will offer you

A healthy, engaged and well-supported workforce is better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That’s why we are committed to providing an environment with your development and wellbeing at its center.

You can expect

• Flexible work arrangement
• Corporate group insurance
• EAP – free and confidential counseling, online work-life resources
• Comprehensive leave benefits

Your key responsibilities

• Approval of Counterparty Credit Exposure limits for Transaction Banking products and FX Hedging / Derivative products. Specific transaction level approvals for structured products.
• Writing Credit Reports, assigning internal Credit Rating for clients, based on industry, business and financial analysis, including projections
• Monitoring performance of companies & sectors on real-time basis, making suitable changes in ratings / limits to reflect any changes in risk level
• Ensuring effective utilization of Bank’s capital at Client level. For non-remunerative relationships, work with Relationship team to derive strategy that could include exit or pricing revision
• Providing regular MIS to senior management on portfolio composition and status of accounts
• Support portfolio management related activities including system related tasks as per the global credit policies of the bank.
• Ensuring regulatory reporting for Credit Risk Management team in line with the Bank Negara Malaysia
• Providing RISCO approvals, local endorsements of MNC clients
• Ensuring satisfactory outcome of internal asset quality review and regulatory audits

Your skills and experience

• Post graduate level qualifications and business/finance major (e.g.CA / CWA / MBA / FRM).
• Experience of 1-2 years in credit risk management in wholesale banking from reputed financial house, including analysis, approval / recommendation of transactions and portfolio responsibilities
• Basic understanding of key products – financings, trade finance and global markets (fx/rates/commodities)
• Strong technical & analytic skills, risk judgment.
• Strong written and verbal communication skills
• Proven ability to make time sensitive credit decisions
• Proven 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.

How we’ll support you

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

About us and our teams

Deutsche Bank is the leading German bank with strong European roots and a global network.

Deutsche Bank & Diversity

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.