Credit Risk Officer (f/m/x)
Position Overview
Details of the role
The CRM Global Credit Financing and Solutions (GCFS) team supports a number of structured finance businesses, including Project Finance, Infrastructure & Energy finance, Reserve Based Lending, Direct Lending (structured and corporate lending), Credit Solutions (financial asset financing), Distressed Products (loan restructurings), and Equity Margin Lending, as well as other products. Transactions are typically complex, highly structured, secured, often non-recourse, non-investment grade and require the extensive application of fundamental credit analyis.
The role is based in Berlin as part of a global team that covers portfolios in EMEA and the Americas. While focused on project finance, oil & gas reserve base lending and infrastructure and energy, the role may support team responsibilities across all areas of coverage.
Your key responsibilities:
Performing credit analysis and portfolio management for a defined set of counterparties with focus on project finance, oil & gas reserve base lending and infrastructure and energy.
Reviewing and evaluating operational and financial reporting of borrowers
Reviewing new credit requests, assessing credit risks and repayment capacity, assessing valuations
Reviewing financial models, business plans and projections, including downside scenario analysis
Producing credit ratings and assessing compliance with risk appetite and regulatory and policy requirements
Recommending changes to ratings as and additions to credit watchlist where appropriate
Managing day-to-day tasks for internal approval processes and transaction management
Interfacing and collaborating with other areas within the Bank, including front office, portfolio management, support functions within Risk, Finance and Operations, and external auditors and regulatory authorities
Your skills and experiences:
Education and Experience
University degree preferably in Finance, Business, Accounting or Economics
5-10 years of experience in a financial institution, specifically within a lending or credit risk function
Competencies
Understanding of corporate finance and economics
Ability to understand complex financing structures across a variety products, including senior debt, junior debt and derivatives
Ability to evaluate cash flow projections and valuations
Understanding of loan documentation and other legal concepts
Proficient in English (spoken and written) as well as written and spoken German
Personal characteristics
Ability to work independently under time pressure and manage multiple assignments in parallel
Detail-focused and able to present information in a structured, clear and concise way
Strong time management skills, ability to work through large information volumes
Ability to work independently under time pressure and manage multiple assignments in parallel
Detail-focused and able to present information in a structured, clear and concise way
What we offer
We provide you with a comprehensive portfolio of benefits and offerings to support both, your private and professional needs.
Emotionally and mentally balanced
A positive mind helps us master the challenges of everyday life – both professionally and privately. We offer consultation in difficult life situations as well as mental health awareness trainings.
Physically thriving
We support you in staying physically fit through an offering to maintain personal health and a professional environment. You can benefit from health check-ups; vaccination drives as well as advice on healthy living and nutrition.
Socially connected
Networking opens up new perspectives, helps us thrive professionally and personally as well as strengthens our self-confidence and well-being. You can benefit from PME family service, FitnessCenter Job, flexible working (e.g parttime, hybrid working, job tandem) as well as an extensive culture of diversity, equity and inclusion.
Financially secure
We provide you with financial security not only during your active career but also for the future. You can benefit from offerings such as pension plans, banking services, company bicycle or “Deutschlandticket”.
Since our offerings slightly vary across locations, please contact your recruiter with specific questions.
This job is available in full and parttime.
In case of any recruitment related questions, please get in touch with Pierre Kujat.
Contact Pierre Kujat: +49 160 5138367
Wir streben eine Unternehmenskultur an, in der wir gemeinsam jeden Tag das Beste geben. Dazu gehören verantwortungsvolles Handeln, wirtschaftliches Denken, Initiative ergreifen und zielgerichtete Zusammenarbeit.
Gemeinsam teilen und feiern wir die Erfolge unserer Mitarbeiter*innen. Gemeinsam sind wir die Deutsche Bank Gruppe.
Wir begrüßen Bewerbungen von allen Menschen und fördern ein positives, faires und integratives Arbeitsumfeld.
