Job Title Credit Risk Officer

Location London

Corporate Title Assistant Vice President

Credit Risk Management, Global Credit Financing & Solutions (CRM GCFS) team supports multiple business units across the Corporate & Investment Bank, including Direct Lending Incl Venture Lending subset (Structured & Corporate Lending), Credit Solutions (Financial Asset Financing), Distressed Products (Loan Restructurings), Client Sub Sovereign Solutions, Equity Margin Lending.  Transactions are typically complex, highly structured, secured, often non-recourse, non-investment grade and require extensive application of fundamental credit analysis. The role is based in London as part of a global team that covers portfolios in EMEA and the Americas. 

What we’ll offer you

A healthy, engaged and well-supported workforce are better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That’s why we are committed to providing an environment with your development and wellbeing at its centre.

You can expect:  

• Hybrid Working - we understand that employee expectations and preferences are changing. We have implemented a model that enables eligible employees to work remotely for a part of their working time and reach a working pattern that works for them
• Competitive salary and non-contributory pension
• 30 days’ holiday plus bank holidays, with the option to purchase additional days
• Life Assurance and Private Healthcare for you and your family
• A range of flexible benefits including Retail Discounts, a Bike4Work scheme and Gym benefits
• The opportunity to support a wide ranging CSR programme + 2 days’ volunteering leave per year

Your key responsibilities

• Analysing new Structured finance transactions including Leveraged Buyouts, Mergers & Acquisitions (M&A) financing, Contract Monetisation / Quasi-government receivables, Back Leverage of loan / Private Equity portfolios (or on a single name basis) and supporting ancillary business such as Foreign Exchange (FX) / Interest Rates / Commodity Derivatives, Transaction Banking
• Reviewing ongoing 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

Your skills and experience

• University degree preferably in Finance, Business, Accounting or Economics
• Strong experience in a financial institution, specifically within a lending or credit risk function
• Understanding of corporate finance; Ability to understand complex financing structures across a variety products, including senior debt, junior debt and derivatives
• Analytical skills, including cash flow modelling / forecasting and understanding of derivative structures
• Understanding of loan documentation and other legal concepts
• Ability to work independently under time pressure and manage multiple assignments in parallel

How we’ll support you

• Training and development to help you excel in your career
• Hybrid working model to assist you to balance your personal priorities
• A culture of continuous learning to aid progression
• Coaching and support from experts in your team
• A range of flexible benefits that you can tailor to suit your needs
• We value diversity and as an equal opportunities’ employer, we make reasonable adjustments for those with a disability such as the provision of assistive equipment if required (e.g. screen readers, assistive hearing devices, adapted keyboards)

About us

Deutsche Bank is the leading German bank with strong European roots and a global network. Click here to see what we do.

Deutsche Bank in the UK is proud to have been named in The Times Top 50 Employers for Gender Equality 2024 for five consecutive years. Additionally, we have been awarded a Gold Award from Stonewall and named in their Top 100 Employers 2024 for our work supporting LGBTQ+ inclusion.

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.