Details of the Division and Team:
Deutsche Bank is exposed to a wide range of risks every day. It is the responsibility of the Chief Risk Office (CRO) to identify, aggregate, manage and mitigate these risks. Credit Risk is a centralised risk-type function within the CRO function. The team is primarily responsible for providing credit approvals for single name credit risk, setting credit limits and monitoring and managing these in the context of the bank’s Enterprise Risk Management framework. 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 and minimize loan losses.
The role involves working with a team of credit officers covering North Asia credit which is an important part of Deutsche Bank’s Asia growth strategy. This is a second Line of defense function to partner with the business stakeholders to grow and manage a healthy and balanced credit portfolio in a sustainable and remunerative manner. He or she will be required to make credit decision and to monitor the credit portfolio together with the team. The role requires analytic skills in assessment of financial risk and requires knowledge and sensitivity to other non-financial risks eg operational and regulatory
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 benefits plan including virtual doctor consultation services
- Comprehensive leave benefits
- Gender Neutral Parental Leave
- Flexible working arrangements
- 21 days of annual paid leave, plus public holiday & Flexible Working Arrangement
Your key responsibilities:
- Research/ recommendation/ approval of underwriting and credit limits and transactions covering Corporates and Financial Institutions on a timely basis.
- Working closely with Business and other Infrastructure functions to wholistically assess the risk of a credit exposure.
- Preparation of counterparty ratings and ongoing monitoring of evolving counterparty risk, including inputs on industry, financial and business risk, management and transparency, peer analysis and financial analysis; covenant monitoring tools
- Demonstrate an understanding of Loan products/ Structured Finance, but also Markets and Trade Finance products, in order to assess the Risk / Return equation in the Business proposals
- Demonstrate a sound judgement of Risk / Return in arriving at credit decisions / recommendation in order to achieve the overall portfolio strategy and objectives of the Bank
- Participate in discussions on structuring of transactions, with a view to achieving optimal risk and return metrics for the credit portfolio
- Effective resolution of conflicting views with Business in a constructive and professional manner, maintaining the Bank’s underwriting standards, at the same time supporting the Business to achieve agreed targets.
- Coordinate with internal / external / Regulatory audit & on-site inspections by providing documents & feedback.
Your skills and experience:
- Graduate with minimum 2 years experience in credit risk management role in a reputed financial institution
- Prior experience working on financial 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.
- Basic understanding of documentation like ISDA, CSA and loan agreements.
- Strong written and verbal communication skills.
- Proven ability to make time sensitive credit decisions
- Strategic and result oriented
- Team oriented, flexible, diligent, self-motivated
- Effective time management/ ability to remain calm under stress
- Lives the Bank values
- Succeed through collaboration and team work
- Focused on regulatory requirements and protecting the Bank’s reputation
Role is required to be performed on-site at One Raffles Quay office. Relevant vaccination requirements may apply.
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. click here to see what we do.
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.
