Credit Officer, AVP

Job Summary

Job Title: Credit Officer, AVP

Location: Mumbai, India

• Opening within the US Structured Finance Credit Team that supports LDCM (Leveraged Debt Capital Markets) Desk.
• This role involves responsibility for managing structured corporate credit portfolio with focus upon Leveraged lending.
• End to end monitoring of portfolio and in addition includes transaction approval and/or recommendation of credit underwriting approvals including (but not limited to) credit and cash flow analysis, review of credit terms in loan and derivatives documentation and interfacing with Senior Management and Business personnel on risk issues.

Responsibilities

• Credit Officer responsible for reviewing, recommending and approving transactions across business units and wide spectrum of products.
• Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis.
• Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval
• Active approval of live trades by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same.
• On-going monitoring surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc. and assessing the impact on credit worthiness of the counterparty, keeping DB s exposure in mind.
• Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same.
• Monitoring of limits/exposure: Updating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs.
• Complete ownership of the Credit portfolio to take informed decisions based on your recommendations
• Interface directly across with the other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DB s exposure and timely completion of the credit reviews.
• Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and work out various business strategies.
• Liaise with clients, interface directly with front office staff and other CRM units on credit approvals, credit requirements and relationship matters
• Ensure compliance with relevant and applicable local and global regulatory and policy requirements
• Maintain DB s high underwriting standards and drive resolution with business units and key stakeholders.

Your Skills and Experience

• Educational qualification (preferable): Bachelor s or Master s degree in Accounting, Engineering, Mathematics, Economics, Statistics, Finance, MBA, CA
• 5-7+ years of credit analysis experience, with experience in non-investment grade lending
• Analytical skills, including cash flow modelling / forecasting and understanding of derivative structures
• Ability to work independently under time pressure and focus on multiple reviews/ transactions at once
• Strong written and oral communication skills
• Proven ability to leverage AI tools to enhance productivity, optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs.

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