Credit Appraisal/Underwriting Role - Bank

Credit Appraisals/Underwriting Role : Deutsche Bank :

Job Title : Credit Analyst / Associate - Credit Risk Management for the Global Credit Ratings Team (GCRT)

Location : Mumbai

Full/Part Time : Full-time

Regular/Temporary : Permanent

- Deutsche Bank Operations International (DBOI) Global Services, a subsidiary of Deutsche Bank, is the bank's global processing arm.

- Established with the purpose of building a world-class operating infrastructure for Deutsche Bank's global businesses, DBOI Global Services is an integrated network of six processing centers of excellence in the UK, USA, India and Philippines, delivering 24/7 support for the bank and its clients.

Position Title : PCO (Primary Credit officer - Simplified Credits and Ratings)

Corporate Title : Sr Analyst / Associate

Department : Credit Risk Management (CRM)

About Deutsche Bank :

- As a leading global bank with roots in Germany, we- re driving change and innovation in the industry - championing integrity, sustainable

- Performance and innovation with our clients, and redefining our culture and relationships with each other.

Risk :

- 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

- Rating Team (GCRT) 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, GCRT is bringing Credit documentation to its purview and requires strong analysts to handle the same.

Position Description :

- Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) 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 and Derivatives) 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.

- 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

Required education, experience & skills: Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc.

- Relevant work experience (3- 4years) in credit underwriting

- Strong analytical skills, knowledge of financial markets and economic/industry trends

- Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance experience

Other skills :

- Strong written and verbal communication skills in English

- Must be a self-starter and pro-active in bringing new ideas and solutions to the table

- Must demonstrate ability to manage own time efficiently and effectively, and be able to multitask, absorb ideas and facts quickly, while maintaining a strict eye for detail

- Ability to apply entrepreneurial skills to develop processes and activities

- Deutsche Bank is an equal opportunity employer who seeks to recruit and appoint the best available person for a job regardless of marital / civil partnership status, sex (including pregnancy), age, religion, belief, race, nationality and ethnic or national origin, colour, sexual orientation or disability.