Job Title: Business Clients Credit Advisor, AS

Corporate Title: Associate

Location: Mumbai, India

Role Description

Business Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements.

Work includes:

• Advising on credit-related client solutions and assessing loans from an income and risk perspective, within the existing credit processes
• Be responsible for preparing credit submissions for approval, and the independent application for credit authority or approvals, whilst also monitoring credit exposures and/or any credit material deterioration over the life cycle of the client relationship
• Identifying business clients’ credit needs and proposing suitable products, services and/or solutions
• Supporting efforts to gain new business and grow earnings potential from existing clients, e.g. at client conferences
• Advising and guiding teams in the development of bespoke products/solutions/platforms
• Working with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients. May also participate in the negotiation and execution of mandated transactions with clients
• Optimal utilization of resources, and compliance with defined performance targets keeping in line with relevant internal guidelines/controls and regulatory requirements
• Maintaining and growing business contacts and leads in the lending business
• Compliance with internal and credit-related regulations, e.g., QS audit results, KWG§18 etc.
• Implementing regulatory KYC requirements, and maintaining compliance with other applicable regulatory requirements and guidelines

What we’ll offer you

As part of our flexible scheme, here are just some of the benefits that you’ll enjoy,

• Best in class leave policy.
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

Business Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements.

Work includes: 

• Advising on credit-related client solutions and assessing loans from an income and risk perspective, within the existing credit processes 
• Be responsible for preparing credit submissions for approval, and the independent application for credit authority or approvals, whilst also monitoring credit exposures and/or any credit material deterioration over the life cycle of the client relationship  
• Identifying business clients’ credit needs and proposing suitable products, services and/or solutions 
• Supporting efforts to gain new business and grow earnings potential from existing clients, e.g.  at client conferences
• Advising and guiding teams in the development of bespoke products/solutions/platforms 
• Working with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients. May also participate in the negotiation and execution of mandated transactions with clients 
• Optimal utilisation of resources, and compliance with defined performance targets keeping in line with relevant internal guidelines/controls and regulatory requirements 
• Maintaining and growing business contacts and leads in the lending business 
• Compliance with internal and credit-related regulations, e.g., QS audit results, KWG§18 etc.
• Implementing regulatory KYC requirements, and maintaining compliance with other applicable regulatory requirements and guidelines

Your skills and experience

• Candidate should have excellent communication in English and well groomed.
• Minimum qualification required is Graduation.
• Minimum Exp should be 6 – 12 Years in relevant field.

How we’ll support you

• Training and development to help you excel in your career.
• 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.

About us and our teams

Please visit our company website for further information:

https://www.db.com/company/company.html

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.