Business Clients Credit Advisor, AS

Job Title: Business Clients Credit Advisor, AS

Location: Mumbai Sidrah Building, India

Role Description

• Branch Banking is the liability business for Deutsche Bank present in 17 locations across India. This carters to a wide variety of population through its distinct channels like Personal banking, Private Banking and Business Banking.
• The primary objective is to enhance the value of the existing trade account portfolio.

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
• Manage relationship with reputed CA’s and channel partners source good lending files.
• Create a network with CA’s and Financial Consultant’s for generating the big ticket resale Loans business leads.
• Drive fee-based income through active cross sell and penetration of Insurance products.
• Contribute towards the expansion of business opportunities in strategic target areas and specific business industry.
• Important from Sales Governance/Audit requirement. Due diligence process for clients. Channel/Business Partner Management, apart from sales with high revenue targets. End use monitoring of the fund which is regulatory requirement.
• Client servicing & retaining existing clients resulting in client complaints and client attrition. Ensuring adherence to various internal policies (Suitability & appropriateness/ KYC) related to client transaction and enhancing the wallet share of the client thereby contributing to the revenues for the bank
• Managing existing allocated bank portfolio for all renewals , due diligence and providing customer services as and when requested.

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.