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- Tasks: Join the Credit Risk Management team to analyse and approve securitisation transactions.
- Company: Deutsche Bank is a leading global bank committed to diversity and inclusion.
- Benefits: Enjoy hybrid working, competitive salary, 30 days holiday, and flexible perks.
- Why this job: Be part of a supportive culture focused on development and social impact.
- Qualifications: Bachelor's degree in Finance, Accounting, or Economics; credit risk management knowledge required.
- Other info: Opportunity to volunteer and participate in CSR initiatives.
The predicted salary is between 36000 - 60000 £ per year.
This job is with Deutsche Bank, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community.
Position Overview
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 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 are appropriately accounted for.
- 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, rating agency methodologies.
- Strong analytical skills with attention to detail, ability to explain potentially complex and nuanced transaction structures to the 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.
Credit Officer employer:
Contact Detail:
Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Officer
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management and securitisation. Understanding current market conditions and how they affect securitised assets will help you stand out during discussions with the interview panel.
✨Tip Number 2
Network with professionals in the finance and banking sector, especially those who work in credit risk management. Engaging with industry experts can provide valuable insights and potentially lead to referrals that could enhance your application.
✨Tip Number 3
Prepare to discuss specific securitisation transactions you have worked on in the past. Be ready to explain your role, the challenges faced, and how you contributed to the success of those transactions, as this will demonstrate your practical experience.
✨Tip Number 4
Showcase your analytical skills by being prepared to discuss cash flow models and how they relate to transaction structures. Being able to articulate complex concepts clearly will impress interviewers and highlight your expertise in the field.
We think you need these skills to ace Credit Officer
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Credit Officer at Deutsche Bank. Familiarise yourself with credit risk management and securitisation processes to tailor your application accordingly.
Highlight Relevant Experience: In your CV and cover letter, emphasise any previous experience in credit risk management or securitisation structures. Use specific examples to demonstrate your analytical skills and attention to detail.
Craft a Strong Cover Letter: Your cover letter should reflect your understanding of Deutsche Bank's values and culture. Mention your commitment to diversity and inclusion, as well as how your skills align with the job requirements.
Proofread Your Application: Before submitting, carefully proofread your application for any spelling or grammatical errors. A polished application reflects your professionalism and attention to detail, which are crucial for a role in credit risk management.
How to prepare for a job interview at
✨Understand the Role
Make sure you have a solid grasp of what a Credit Officer does, especially in the context of securitisation. Familiarise yourself with credit risk management principles and be ready to discuss how your skills align with the responsibilities outlined in the job description.
✨Showcase Analytical Skills
Prepare to demonstrate your analytical abilities during the interview. You might be asked to explain complex transaction structures or evaluate cash flow models, so think of examples from your past experience that highlight your attention to detail and analytical prowess.
✨Stay Informed on Market Trends
Research current market trends and conditions that could impact securitised assets. Being able to discuss these topics will show your proactive approach and understanding of the industry, which is crucial for a role in credit risk management.
✨Prepare Thoughtful Questions
At the end of the interview, you'll likely have the chance to ask questions. Prepare thoughtful queries about the team dynamics, the hybrid working model, or the company's approach to diversity and inclusion. This shows your genuine interest in the role and the company culture.
