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Credit Risk Specialist, Associate
Deutsche BankMumbai Nirlon Know. Pk B, B17 days ago
Job descriptionCredit Risk is a centralized risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the bank’s Enterprise Risk Management framework. Credit Risk enables CRO to strengthen, enhance and improve control of the bank’s credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the bank’s capital. 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 Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs, Leveraged Lending, CRE, Project Finance) 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 DB’s exposure in mind. Understand the various banking products (including Trade Finance Derivatives, and complex / structured facilities 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 DB’s exposure and timely completion of the credit reviews. Effective resolution of conflicting views with Business in a constructive and professional manner, maintaining DB’s underwriting standards, at the same time supporting the Business to achieve agreed targets. Support business units in driving strategy to drive optimum risk / return and in line with overall portfolio strategy and risk appetite while maintaining DB’s high underwriting standards 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 Part of regional team supporting senior credit officers covering Southeast Asian counterparties. Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting / analysis for Corporates, Financial institutions and Non-bank Financial institutions with understanding of industry risk drivers; established negotiation skills to deal effectively with conflicting priorities & resources. Strong analytical skills, meticulous and strong knowledge of financial markets, economic / industry trends and global risk regulations. Good working knowledge of relevant banking products including Financing, Commercial Real Estate, Commercial Banking, Trade Finance, complex / structured loans and Derivative products. Ability to build strong relationships internally with stakeholders locally, regionally & globally, both functionally and with Front office Business partners.Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance 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
Description
- Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients. Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation.
- In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda.
- The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risk’s transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same.
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Risk Credit Risk • Mumbai Nirlon Know. Pk B, B
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