Credit Officer, Associate

Overview

Credit Officer, Associate in Deutsche Bank's Global Credit Analytics Function (GCAF), assigning and surveilling Probability of Default ratings for Corporate and Institutional counterparties and taking on credit documentation as part of Risk's transformation.

What you'll do

• 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.
• Actively participate in live trades with onshore credit officers (KCP) by understanding trade dynamics, providing recommendations and completing credit write-ups (Addendum).
• Conduct on-going monitoring and surveillance of assigned international portfolios, including rating changes, market/industry developments and news events, and assess the impact on counterparty creditworthiness with DB's exposure in mind.
• Understand various banking products (including Trade Finance and Derivatives) and credit documentation for the same.
• Support the KCP with appropriate checks and their inclusion in credit reviews.
• Monitor limits and exposure: update limit amendments and credit-relevant data in the credit system, monitor exposure and clear Excess tickets in a timely manner.
• Monitor covenants on a timely basis and hold regular discussions with KCPs.
• Manage own credit portfolio and assist senior decision makers in making informed decisions based on your recommendations.
• Interface directly with Credit officers (KCP) and other stakeholders (business side, exposure management, and various ops teams) to ensure complete understanding of DB's exposure and timely completion of 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.

What you'll need

• Relevant professional qualifications such as MSc / MA / MBA / CA / CFA, etc.
• Relevant work experience 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.
• Proven ability to leverage AI tools to enhance productivity and optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs.

Details

• Location: Mumbai, India.
• Internal promotion only (position-based promotions).