Deutsche Bank

Finances businesses and manages personal wealth

Business Clients Credit Advisor - AS

Retail & Commercial BankingPosted on Nov 11

Full-timeBengaluru, Karnataka, IndiaNo salary listedIn-person

About the Job

Requirements

A minimum qualification of Graduation is required.
A minimum of 8–12 years of relevant-field experience is required.
Excellent communication skills in English are required.
The candidate should be well groomed.
The candidate should have good knowledge of investments, wealth management, mutual funds, portfolio management services, and insurance.
The candidate should be able to acquire new-to-bank clients.
The candidate should be able to leverage artificial intelligence tools to enhance productivity and optimize workflows to solve business problems, applying critical judgment to ensure responsible and ethical use of data and artificial intelligence outputs.

Responsibilities

Advise business clients on credit-related solutions and assess loans from income and risk perspectives within existing credit processes.
Prepare credit submissions for approval, independently apply for credit authority or approvals, and monitor credit exposures and material credit deterioration throughout the client relationship lifecycle.
Identify business clients’ credit needs and propose suitable products, services, or solutions.
Support efforts to gain new business and grow earnings potential from existing clients, including at client conferences.
Advise and guide teams in developing bespoke products, solutions, or platforms.
Work with functional and cross-functional colleagues to ensure products, solutions, and platforms meet the needs of the bank and its clients.
Participate, as applicable, in the negotiation and execution of mandated transactions with clients.
Use resources optimally and comply with defined performance targets, internal guidelines and controls, and regulatory requirements.
Maintain and grow business contacts and leads in the lending business.
Comply with internal and credit-related regulations, including QS audit results and KWG Section 18.
Implement regulatory know-your-customer requirements and comply with other applicable regulatory requirements and guidelines.
Acquire new-to-bank clients.

Job Description:

Job Title: Business Clients Credit Advisor

Corporate Title: Associate

Location: Bangalore, India

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.

What we’ll offer you

As part of our flexible scheme, here are just some of the benefits that you’ll enjoy,

Best in class leave policy.
Gender neutral parental leaves
100% reimbursement under childcare assistance benefit (gender neutral)
Sponsorship for Industry relevant certifications and education
Employee Assistance Program for you and your family members
Comprehensive Hospitalization Insurance for you and your dependents
Accident and Term life Insurance
Complementary Health screening for 35 yrs. and above

Your key responsibilities

Business Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements. Work includes:

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.

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.

How we’ll support you

Training and development to help you excel in your career.
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.

About us and our teams

Please visit our company website for further information:

https://www.db.com/company/company.html

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.

About the Company

Deutsche Bank

Finances businesses and manages personal wealth

Deutsche Bank finances companies, governments and individuals through a global banking network rooted in Germany and spanning major financial markets. Its investment bank focuses on bonds and currencies, alongside advice on mergers and raising capital, while its private bank handles household banking and wealth management. Businesses use its cash management, trade finance and lending services to move money and fund operations, and the group manages investment funds through DWS. It earns money from loan interest, transaction and investment fees, and trading activity. Deutsche Bank traces its founding to 1870 and is headquartered in Frankfurt am Main, Germany.

Company size: 10,001+
Company stage: IPO
Headquarters: Frankfurt, Germany
Founded: 1870

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