Business Clients Credit Advisor, AS

• Location: Mumbai Sidrah Building
• 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.