Credit Risk Assessment Specialist

vor 4 Wochen


Berlin, Berlin, Deutschland Deutsche Bank Vollzeit
Position Overview:

Role Context and Team Integration

Deutsche Bank's Risk division is tasked with the comprehensive oversight and management of all credit, market, and operational risks. The Credit Risk Management (CRM) function operates independently, focusing on the assessment and monitoring of creditworthiness through detailed analysis of counterparties, sectors, and sovereign risks, thereby enhancing Deutsche Bank's counterparty risk strategies.

The CRM GCAF Berlin Team is a dedicated credit unit within the Risk department, managing a varied portfolio of Financial Institutions and Corporates characterized by lower risk credit profiles.

The selected candidate will be responsible for managing the workflow associated with a specific portfolio of counterparties, which includes conducting annual credit assessments and rating evaluations, as well as timely updates and monitoring of ratings in accordance with Deutsche Bank's credit standards and established processes. This role also involves collaboration with relevant business units, credit teams, and other support functions to ensure data integrity and adherence to internal policy standards.

Key Responsibilities
  • Overseeing and evaluating a designated portfolio of Corporates, Financial Institutions, and/or Municipalities in both Developed and Emerging Markets; with a potential initial focus on ICC rated German MidCaps and/or FSC products involving numerous obligors
  • Drafting initial credit ratings and comprehensive credit reports, along with regular reviews of high complexity, including making credit decisions within the delegated authority
  • Timely processing and documentation of complex credit transactions, including the preparation of decision proposals for higher credit authority approval
  • Credit products primarily involve lower risk standard transactions, such as non-complex derivatives (e.g., FX Forwards, Interest Rate Swaps) and commercial banking offerings like Trade Finance, Cash Management, and Settlement Services
  • Acting as a key contact for specific portfolios and tasks, while also providing training and guidance to junior team members
Required Skills and Experience
  • Relevant vocational training or professional experience is essential, including a University degree (University, Fachhochschule, or Berufsakademie) preferably in Finance, Business, Accounting, or Economics, along with several years of pertinent experience in credit risk management or a commercial banking environment
  • Strong analytical capabilities; excellent understanding of balance sheet analysis (financial reporting); in-depth knowledge of complex credit products and processes; good grasp of economic and banking systems, with a general interest in regulatory matters
  • Fluency in English and at least one additional language (both spoken and written), typically including German, Japanese, French, Spanish, Korean, Portuguese, Italian, Chinese, Russian, Dutch, and Nordic languages
  • Proactive mindset, independent thought process, and an investigative approach to work; effective communication and interpersonal skills, particularly with (Senior) Management; strong time management abilities, capable of handling large volumes of data
  • High level of self-motivation and initiative, eagerness to learn and improve; ability to perform well under pressure and meet tight deadlines
What We Offer

We provide a comprehensive range of benefits and offerings to support both your personal and professional needs.

Emotional and Mental Well-being

A positive mindset is crucial for navigating the challenges of daily life, both at work and home. We offer support in difficult situations and provide mental health awareness training.

Physical Health

We encourage you to maintain physical fitness through various health initiatives, including health check-ups, vaccination programs, and guidance on healthy living and nutrition.

Social Engagement

Networking fosters new perspectives and enhances both professional and personal growth, contributing to self-confidence and well-being. We offer services such as family support, fitness programs, flexible working arrangements (e.g., part-time, hybrid), and a strong commitment to diversity, equity, and inclusion.

Financial Security

We ensure financial stability not only during your career but also for your future. Benefits include pension plans, banking services, and options like company bicycles.

This position is available in both full-time and part-time formats.

We are committed to fostering a culture where we empower each other to excel daily. This includes acting responsibly, thinking commercially, taking initiative, and collaborating effectively.

Together, we celebrate the achievements of our team members. Together, we are Deutsche Bank Group.

We welcome applications from all individuals and promote a positive, fair, and inclusive work environment.

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