Credit Risk Officer

Details of the role:  

The CRM Global Credit Financing and Solutions (GCFS) team supports a number of structured lending businesses, including Infrastructure & Energy (I&E) (asset & project finance), Direct Lending (structured and corporate lending), Credit Solutions (liquid/illiquid financial asset financing), Distressed Product Group (secondary market loan trading book, new money banking book, loan restructurings and direct equity investments).

The role is based in Berlin and part of a global team that covers regional portfolios in EMEA and the Americas. Transactions are typically complex, highly structured, secured, often non-recourse, with the I&E business providing financing solutions to international infrastructure sponsors & asset owners.

Your key responsibilities:

• Performing credit analysis and portfolio management for a defined set of counterparties with focus on project finance and reserve based lending

• 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 financial 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 and support functions within Risk, Finance and Operations and external auditors and regulatory authorities

Your skills and experiences:

• University degree preferably in Finance, Business, Accounting or Economics

• Several years of experience in a financial institution, specifically within a lending or credit risk function

• Ability to understand complex financing structures across a variety of jurisdictions and products, including senior debt or junior debt

• Ability to evaluate cash flow projections and valuations

• Understanding of loan documentation and other legal concepts

• Proficient in English (spoken and written), German language skills beneficial

• Ability to work independently under time pressure and focus on multiple transactions at once

• Detail-focused and able to present information in a structured, clear and concise way

• Strong time management skills, ability to cope with large information volumes

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:

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.