Description
The Latin America Credit Risk Management credit team is tasked with managing the credit risk inherent in Deutsche Bank’s business activities with Latin American clients.
As a Credit Officer you will be responsible for handling loan, derivative and trade-related approvals, setting and monitoring counterparty credit limits, negotiating credit terms in relevant agreements, and interfacing with senior management and business personnel on risk issues.
Responsibilities
- Analyze and recommend approval or declination of credit transactions for Latin American clients under delegated credit authorities, ensuring alignment with risk appetite for the relevant Business Unit, Industry and Legal Entity, as well as compliance with DB’s credit standards, policies and procedures.
- Thoroughly assess transaction risks, based upon individual transaction structure, collateral, credit enhancements and documentation. Recommend risk enhancements as necessary;
- Define and negotiate credit terms in legal documentation to ensure that documentation allows for proactive risk management;
- Assist in rating and structuring transactions to achieve optimal risk/return outcomes;
- Act as intermediary between business units and senior credit committees to facilitate credit approval and monitoring processes;
- Monitor individual credit/risk positions and developments within given portfolios; and ensure compliance with all applicable regulatory requirements.
Requirements
- Moderate previous credit experience in Latin American markets;
- Bachelors degree in Finance, Accounting, Economics or related fields.
- Fluency in Spanish is strongly preferred. Portuguese a plus.
- Strong knowledge and understanding of capital markets products, including vanilla and complex derivatives, as well as commercial banking products;
- Strong understanding of basic trading documentation and risk mitigation strategies. Experience in negotiation of derivative contracts and loan documentation a plus.
- Proven ability to leverage AI tools to enhance productivity, optimize workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs
What We Offer You
- A diverse and inclusive environment that embraces change, innovation, and collaboration
- A hybrid working model, allowing for in-office / work from home flexibility, generous vacation, personal and volunteer days
- Employee Resource Groups support an inclusive workplace for everyone and promote community engagement
- Competitive compensation packages including health and wellbeing benefits, retirement savings plans, parental leave, and family building benefits
- Educational resources, matching gift and volunteer programs