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.
Skills Required
- Minimum qualification required is Graduation
- Minimum Experience should be 6 - 12 Years in relevant field
- Excellent communication in English
Deutsche Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Deutsche Bank and has not been reviewed or approved by Deutsche Bank.
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Healthcare Strength — Health coverage is positioned as comprehensive, spanning multiple medical plan options along with dental, vision, prescription coverage, life insurance, and disability protection.
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Leave & Time Off Breadth — Time away is described as generous, including annual leave, sick leave, public holidays, wellbeing leave, volunteering leave in some regions, and expanded bereavement leave in certain locations.
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Retirement Support — Retirement support is presented as a matched savings plan (401(k)), reinforcing longer-term financial security as part of the rewards package.
Deutsche Bank Insights
What We Do
At Deutsche Bank, we give original thinkers the space and support they need to shine. Merging local knowledge with global vision, in-depth insight with industry-leading digital expertise, if you’re an innovator by nature, we can help you to unleash your potential. We see things differently at Deutsche Bank – and we’re proud of our fresh perspective. Today, we’re driving growth through our strong client franchise, investing heavily in digital technologies, prioritising long-term success over short term gains, and serving society with ambition and integrity. Wherever your interests lie – in investment banking, trading, private wealth, asset management, retail banking - or many of the infrastructure functions that support them – you’ll discover resources, training and opportunities designed to keep you ahead of the curve. Intelligence has no boundaries: we welcome high-achieving, talented individuals from any background. If you’re full of imagination, enjoy solving problems and respond positively to complex challenges, discover a career to look forward to and join us!
