Chief Risk Office - CRM Risk Specialist - Associate/Analyst

Position Overview

Details of the Division and Team
Deutsche Bank is exposed to a wide range of risks every day. It is the responsibility of the Chief Risk Office to identify, aggregate, manage and mitigate these risks. Credit Risk is a centralised risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the bank’s Enterprise Risk Management framework. Credit Risk enables CRO to strengthen, enhance and improve control of the bank’s credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the bank’s capital.
The Credit Officer will be working with a team of credit officers, who forms an important hub to support the China growth strategy of Deutsche Bank. This is a second Line of Defence function to partner with the business stakeholders to grow and manage a healthy and balanced credit portfolio on a sustainable and remunerative manner. He or she will be required to make credit decision and to monitor the credit portfolio on a daily basis together with the team. The role is expected to be a risk manager who should possess not only analytic skills in assessment on financial risk aspect but also knowledges and sensitivity to other non-financial risks eg operational and regulatory.

What we will 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

• Supplemental Savings Plan on top of mandatory social security
  
• 15 days of annual paid leave, plus public holiday & Flexible Working Arrangement
  
• A range of competitive benefits to suit your needs
  
• On-line family doctor consultation for both employee & family members
  
• Employee Assistance Program for both employee & family members
  

Your key responsibilities

• Review/recommend/approve credit limits and transactions for Corporates and Financial Institutions clientele, working closely with Coverage and Products;
  
• Prepare counterparty ratings and ongoing monitoring of evolving counterparty risk, including inputs on industry, financial and business risk, management and transparency, peer analysis and financial analysis;
  
• Demonstrate an understanding of various banking products in order to assess the Risk / Return equation in the Business proposals
  
• Demonstrate a sound judgement of Risk / Return in arriving at credit decisions / recommendations in order to achieve the overall portfolio strategy and objectives of the Bank
  
• Participate in discussions on structuring of transactions, with a view to achieving optimal risk and return metrics for the credit portfolio
  
• Handle effectively conflicting views with Business in a constructive and professional manner, maintaining the Bank’s credit standards, at the same time supporting the Business to achieve agreed targets.
  
• Prepare & provide credit risk management related regulatory reports for CRM Dept based on regulatory requirement, including data collection, input contribution, report consolidation and submission.
  
• Provide in-depth credit risk data processing and prepare commentaries in management’s reports (e.g. ICAAP, regulatory reports).
  
• Coordinate with internal / external audit & on-site inspections by providing documents & feedback.
  
• Drive / implement credit risk policy & guideline updates following updated regulatory requirement update.
  
• Fulfill & contribute to other regulatory tasks as needed
  

Your skills and experience

• Post graduate level qualifications and business/finance major (e.g.CA / CWA / MBA / FRM).
  
• Experience of 1-8 years in banking, ideally credit risk management in wholesale banking from reputed financial house, including analysis, approval / recommendation of transactions and portfolio responsibilities
  
• Basic understanding of key products – financings, trade finance and global markets (fx/rates/commodities)
  
• Strong technical & analytic skills, risk judgment.
  
• Strong written and verbal communication skills.
  
• Proven ability to make time sensitive credit decisions
  
• Strategic and result oriented
  
• Team oriented, flexible, diligent, self-motivated
  
• Time management/ ability to remain calm under stress
  
• Lives the Bank values
  
• Succeed through collaboration and team work
  
• Focused on regulatory requirements and protecting the Bank’s reputation
  
• English and Mandarin
  

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
  
• Training and development to help you excel in your career
  

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

Deutsche Bank & Diversity

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.