Credit Officer

You’ll be joining the United Kingdom (UK) Credit Risk Management - Securitisation team. The team is tasked with managing the credit risk associated with Deutsche Bank’s securitisation financing activities in UK and Europe. Credit officers are responsible for analysis and approval of securitization transactions, setting and monitoring facility limits, negotiating credit terms with the responsible business line and ongoing risk monitoring of exposures.

What we’ll offer you:

• Hybrid Working - we understand that employee expectations and preferences are changing. We have implemented a Hybrid Working Model that enables eligible employees to work remotely for a part of their working time and reach a working pattern that works for them.
• Competitive salary and non-contributory pension.
• 30 days’ holiday plus bank holidays, with the option to purchase additional days.
• Life Assurance and Private Healthcare for you and your family.
• A range of flexible benefits including Retail Discounts, a Bike4Work scheme and Gym benefits.
• The opportunity to support a wide-ranging CSR programme + 2 days’ volunteering leave per year.

Your key responsibilities:

• Support the review and credit approval of securitisation transactions, ensuring exposures are consistent with the bank’s risk appetite.
• Work with 1LoD to ensure transactions are appropriately structured with adequate risk mitigation to address relevant adverse scenarios.
• Analyze the quality of underlying collateral, considering factors such as credit rating, strength of counterparty, industry trends and macroeconomic conditions.
• Stay informed about market trends and conditions that may impact the performance of securitized assets, helping to anticipate and mitigate potential risks.
• Prepare detailed credit memos for approval with the relevant approvers and, where appropriate, present at relevant credit committees.
• Participate in broader projects and initiatives, including portfolio monitoring, stress testing and regulatory/audit requests.

Your skills and experience:

• Credit risk management knowledge including experience with securitisation structures and rating agency methodologies.
• Strong analytical skills with attention to detail, ability to explain potentially complex and nuanced transaction structures to relevant stakeholders.
• Ability to evaluate cash flow models used to structure transactions.
• Bachelor’s degree in Finance, Accounting, Economics, or related fields.

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.
• We value diversity and as an equal opportunities’ employer, we make reasonable adjustments for those with a disability such as the provision of assistive equipment if required (e.g. screen readers, assistive hearing devices, adapted keyboards).

About us:

Deutsche Bank is the leading German bank with strong European roots and a global network. Deutsche Bank in the UK is proud to have been named in The Times Top 50 Employers for Gender Equality 2024 for five consecutive years. Additionally, we have been awarded a Gold Award from Stonewall and named in their Top 100 Employers 2024 for our work supporting LGBTQ+ inclusion. 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.