Business Clients Credit Advisor, AS

Job Summary Role Description

• Business 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 savings account portfolio through cross-sell, leading to increase in fee income, to add to that ensure acquisition of new clientele.

Your key responsibilities

• 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

Your skills and experience

• Candidate should have excellent communication in English and well groomed.
• Minimum qualification required is Graduation.
• Minimum Experience should be 8 - 12 Years in relevant field.
• This is an individual contributor role. Need a Senior Banker, with good knowledge about investments, Wealth Management, Mutual Funds, PMS, Insurance. Acquisition of New to Bank clients.

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