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Credit Officer

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Job Description:

Job Title Credit Officer

Location London

Corporate Title VP

You’ll be joining the United Kingdom (UK) Credit Risk Management - Securitisation team. The team is tasked with managing the credit risk associated with Deutsche Bank’s securitisation financing activities in UK and Europe. Credit officers are responsible for analysis and approval of securitization transactions, setting and monitoring facility limits, negotiating credit terms with the responsible business line and ongoing risk monitoring of exposures.

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 Hybrid Working 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

Support the review and credit approval of securitisation transactions, ensuring exposures are consistent with bank’s risk appetite
Work with 1LoD to ensure transactions are appropriately structured with adequate risk mitigation to address relevant adverse scenarios
Analyze the quality of underlying collateral, considering factors such as credit rating, strength of counterparty, industry trends and macroeconomic conditions are appropriately accounted for.
Stay informed about market trends and conditions that may impact the performance of securitized assets, helping to anticipate and mitigate potential risks
Prepare detailed credit memos for approval with the relevant approvers and, where appropriate, present at relevant credit committees
Participate in broader projects and initiatives, including portfolio monitoring, stress testing and regulatory / audit requests

Your skills and experience

Credit risk management knowledge including experience with securitisation structures, rating agency methodologies.
Strong analytical skills with attention to detail, ability to explain potentially complex and nuanced transaction structures to the relevant stakeholders.
Ability to evaluate cash flow models used to structure transactions.
Bachelor’s degree in Finance, Accounting, Economics, or related fields.

How we’ll support you

Flexible working to assist you balance your personal priorities

Coaching and support from experts in your team
A culture of continuous learning to aid progression
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.

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.

What You Should Know About Credit Officer, DB

If you're ready to elevate your career as a Credit Officer with Deutsche Bank, London is the perfect place for you! As part of our UK Credit Risk Management - Securitisation team, you'll be diving into the dynamic world of credit risk associated with our securitisation financing activities. Your role will involve the thorough analysis and approval of securitisation transactions, where you’ll monitor facility limits and negotiate credit terms with various business lines. We pride ourselves on fostering a supportive environment that focuses on your development and wellbeing. With options for hybrid working, a competitive salary, generous holiday allowances, and extensive health benefits, it’s all about maintaining a great work-life balance. Your analytical skills will shine as you evaluate the quality of underlying collateral and stay alert to market trends that could impact our assets. Preparing detailed credit memos and presenting them at relevant credit committees will also be part of your responsibilities. Plus, you'll have the chance to engage in broader projects, from portfolio monitoring to stress testing. If you have a background in finance, accounting, or economics and are keen to embrace a culture of continuous learning, Deutsche Bank is where you can thrive. Let’s work together to make impactful decisions that shape our future while enjoying every moment of your professional journey. Join us and contribute to a forward-thinking financial institution that is proud of its commitment to diversity and sustainability.

Frequently Asked Questions (FAQs) for Credit Officer Role at DB

What are the main responsibilities of a Credit Officer at Deutsche Bank?

As a Credit Officer at Deutsche Bank, your main responsibilities include the review and approval of securitisation transactions, ensuring they align with the bank's risk appetite. You'll also analyze collateral quality and market trends while preparing detailed credit memos and presenting at credit committees. Your expertise will be crucial for negotiating credit terms and ongoing risk monitoring to support our financing activities.