Details of the Division and Team:
To achieve strong growth in Private Bank Middle East (ME) [and APAC] Lending volumes and revenues – under a sales management approach - while maintaining credit quality and minimizing credit losses for problem loans / workouts. Loan structuring skills and focus on operational matters are required.
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 center.
You can expect:
Life Insurance
Accidental Death Insurance
Permanent Partial Disability Insurance
Private Medical Insurance for you, your spouse and dependent children
Flexible working arrangements
30 days of annual paid leave, plus public holiday & Flexible Working Arrangement
DB contributions to DIFC Employee Workplace Savings (DEWS)
Your key responsibilities:
1. To act as lead Lending Officer for PB ME [and APAC] with transactions booked in DB Switzerland or any other EMEA booking centers and DB Singapore. Assisting and driving the PB Client Advisors (CAs) in all their credit-related needs, i.e.:
To determine client needs and the feasibility of a credit transaction
To structure the transaction to make it acceptable from both commercial and risk standpoints
To draft a Credit Report to be reviewed and submitted by the respective Lending department in the different booking centers
To get deals approved by Risk Management, through discussions / conference calls
To coordinate approval implementation with Risk Management
To follow up on approval credit approval conditions
Negotiation/advisory part including term sheet creation and negotiations, collateral valuation process coordination, etc. with clients, relationship managers, collateral experts and technical advisers, etc
Participating in clients/prospects meetings and traveling to the GCC to identify new business opportunities to grow the lending as well as the Gulf asset book in close collaboration with the CAs
To have all the relevant documentation finalized and signed (tendering process to appoint law firms, negotiation, review of documents and invoice management), in liaison with legal
To ensure timely closing of Annual Reviews
Assist the booking center in Loan work outs
Maintain close control over the Lending book under the LO responsibility (maturities like Insurances on RRE, Covenants delivery etc)
2. To provide mutual back-up to other team member(s) while travelling or on leave,
3. To promote credit as a business (client acquisition/retention, cross-sell AuM growth and revenue generation) within the context of a broad IPB relationship through training, product presentation and platform improvement projects
4. To identify and improve processes (locally or within EMEA) for the Lending product that require enhancement / adjustment in order to create an efficient and effective ‘risk-averse’ environment
5. To foster knowledge sharing, development, personal development and behavior in line with DB values & beliefs as a member of the Lending EMEA team
6. To participate to key projects of Lending function (technical projects like GlobeR or regulatory projects)
Coverage
Your skills and experience:
At least 6 years+ of relevant experience gained in private banking or international financial institutions
Knowledge in fundamental financial analysis for corporates, dealing with corporate finance transactions and structured credit transactions
Knowledge of the full scope of the DB WM credit products such as Lombard, Real Estate financing in multiple jurisdictions, hedge funds and PE financing etc.
Possesses good understanding of the DB credit process, policies, and related legal/ regulatory requirements. Thorough knowledge of capital markets and derivatives products.
Strong communicator (both written and verbal skills) with an ability to write concise reports
Have an open mindset and respects challenging views from different stakeholders
Strong analytical skills and an independent decision-maker with ability to support or defend positions.
Team oriented, flexible, diligent, self-motivated and being an example to junior teammates
Ability to collaborate effectively with wide range of cultures / personal styles and to establish strong partnership with DB stakeholders
Ability to work under pressure and deadlines in an amicable manner
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.