Evergreen Credit Officer CRE VP

Deutsche Bank AG; New York (NY); Hybrid; USD 125,000 - 223,000; Full time

Benefits offered by this job

Hybrid working model

Generous vacation

Volunteer programs

Health benefits

Retirement plan

Parental leave

Job summary

Deutsche Bank AG in New York seeks a Commercial Real Estate Risk Officer (VP) to manage approvals for CRE transactions, monitor counterparty limits, and coordinate with senior management. You will analyze complex loan terms, interface with business units, and drive risk/return optimization within the bank's CRE portfolio.

The role requires extensive CRE credit experience, interaction with auditors, and the ability to leverage AI tools to enhance productivity.

Qualifications

• Extensive commercial real estate credit experience.
• Balance sheet lending experience.
• Ability to analyze/review highly structured loans.
• Experience working with internal and external auditors.
• Proven ability to leverage AI tools to enhance productivity and workflows.

Responsibilities

• Analyze and recommend credit approvals/declines for CRE transactions.
• Act as intermediary between business units and credit committees.
• Monitor CRE portfolio and market developments.
• Prepare credit reports and due diligence documentation.
• Assist in structuring transactions for optimal risk/return outcomes.
• Interface with auditors and regulatory authorities.

Skills

Commercial CRE credit experience

Balance sheet lending

Structured loan analysis

Auditors coordination

AI tools usage

Tools

CRM/IT systems

Job description

Job Description

Job Title Commercial Real Estate Risk Officer Corporate Title Vice President Location New York, NY Overview The Commercial Real Estate (CRE) credit team is tasked with managing the real estate credit risk for Deutsche Bank’s Commercial Real Estate Group. In particular, Risk Officer is responsible for handling approvals for all real estate related transactions, retained on balance sheet. Additional tasks include setting and monitoring counterparty credit limits, negotiating term sheets, reviewing due diligence and underwriting and interfacing with senior management and Business personnel. You will be expected to analyze and recommend approvals/declines, or new loan terms for proposed commercial real estate transactions involving stabilized, transitional, ground-up construction, conversions and acquisition/rehabilitation properties. Risk Officer will act as the primary intermediary between the Business units, department heads and credit committees, assist in structuring transactions to achieve optimal risk/return outcomes, and monitor portfolio and financial/market developments within commercial real estate and related sectors, Experience leading/managing internal and external audit coordination required.

What We Offer You

• A diverse and inclusive environment that embraces change, innovation, and collaboration
• A hybrid working model, allowing for in-office / work from home flexibility, generous vacation, personal and volunteer days
• Employee Resource Groups support an inclusive workplace for everyone and promote community engagement
• Competitive compensation packages including health and wellbeing benefits, retirement savings plans, parental leave, and family building benefits
• Educational resources, matching gift and volunteer programs

What You’ll Do

• Analyze and recommend credit approval/declines, or suggest new loan terms for proposed commercial real estate transactions involving stabilized, transitional, ground-up construction, conversions and acquisition / rehabilitation properties
• Act as the primary intermediary between the Business units, department heads and credit committees
• Monitor portfolio and financial/market developments within commercial real estate and related sectors as needed to enhance response capability and corporate knowledge.
• Analyze/Asses and make recommendations for approval for the balance sheet portfolio, including construction loans and transitional loans
• Interact with internal Business unit personnel to prepare credit reports and due diligence documentation that support Deutsche Bank's Business strategies while operating within the constraints of Deutsche Bank’s risk appetite for commercial real estate in a manner consistent with its policies and procedures
• Monitor an existing portfolio, sponsor/guarantor financial capacity, watchlist credits and prepare impairment analyses and memoranda as necessary; assist in structuring transactions to achieve optimal risk/return outcomes
• Maintain data integrity for all names / transactions in Information Technology (IT) systems and assist and at times lead CRM - CRE's interactions with internal / external auditors and regulatory authorities and other Deutsche Bank infrastructure teams (Finance, Regulatory, Risk Analytics, etc.)

How You’ll Lead

• Provide guidance and support to junior team members
• Train new team members on commercial real estate fundamentals;
• Interface with auditors by providing succinct analysis and responses to queries, as well as conducting presentations when required

Skills You’ll Need

• Extensive commercial real estate credit experience
• Balance sheet lending experience
• Ability to analyze/review highly structured loans
• Experience working with internal and external auditors
• Proven ability to leverage AI tools to enhance productivity, optimize workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs

Skills That Will Help You Excel

• Highly motivated VP with ability to work independently
• Excellent verbal and written skills
• Ability to multi-task
• Structured lending experience

Expectations

It is the Bank’s expectation that employees hired into this role will work in the New York City office in accordance with the Bank’s hybrid working model. Deutsche Bank provides reasonable accommodations to candidates and employees with a substantiated need based on disability and/or religion. The salary range for this position in New York City is $125,000 to $222,500. Actual salaries may be based on a number of factors including, but not limited to, a candidate’s skill set, experience, education, work location and other qualifications. Posted salary ranges do not include incentive compensation or any other type of remuneration.

Deutsche Bank Benefits

• At Deutsche Bank, we recognize that our benefit programs have a profound impact on our colleagues. That’s why we are focused on providing benefits and perks that enable our colleagues to live authentically and be their whole selves, at every stage of life. We provide access to physical, emotional, and financial wellness benefits that allow our colleagues to stay financially secure and strike balance between work and home.

Company Culture

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.

Learn more about your life at Deutsche Bank through the eyes of our current employees

About Us

For over 150 years, our dedication to being the Global Hausbank for our clients has been driven by our people – in around 60 countries and across more than 150 nationalities. Their deep understanding, insights, expertise, and passion help our clients navigate an increasingly complex world – be it in our Corporate Bank, our Private Bank, our Investment Bank or our Asset Management (DWS) division. Together we can make a great impact for our clients at home and abroad, securing their lasting success and financial security. More information at: Deutsche Bank Careers (db.com)

Equal Opportunity

We welcome applications from all people and promote a positive, fair and inclusive work environment. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status or other characteristics protected by law.