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About the Role

The Latin America Credit Risk Management credit team manages the credit risk inherent in Deutsche Bank’s business activities with Latin American clients. As a Credit Officer, you will handle loan, derivative, and trade-related approvals, set and monitor counterparty credit limits, and negotiate credit terms.

Responsibilities

• Manage the risk of a portfolio of Latin American counterparties across different jurisdictions and asset classes.
• Approve or decline credit transactions for Latin American clients, ensuring alignment with risk appetite and compliance with Deutsche Bank’s credit standards.
• Analyze risk elements of credit transactions in Latin America, assessing counterparty credit strength and identifying structural weaknesses.
• Assess transaction risks based on structure, collateral, credit enhancements, and documentation, recommending enhancements.
• Define and negotiate credit terms in legal documentation to ensure proactive risk management.
• Assist in rating and structuring transactions for optimal risk/return outcomes.
• Act as an intermediary between business units and senior credit committees for credit approval and monitoring.
• Monitor individual credit/risk positions and developments within portfolios, ensuring regulatory compliance.

Requirements

• Moderate experience in credit (corporates/financial institutions) in Latin American markets.
• Bachelors degree in Finance, Accounting, Economics or related fields.
• Fluency in Spanish is strongly preferred. Portuguese a plus.
• Extensive knowledge and understanding of capital markets products, including vanilla and complex derivatives, as well as commercial banking products (loans, trade finance).
• Strong understanding of basic trading documentation and risk mitigation strategies.
• Experience in negotiation of derivative contracts and loan documentation.
• Strong interpersonal, leadership and communications skills (verbal and written) in English and Spanish.
• Significant degree of independence and sound judgment with good attention to details.
• Strong analytical skills; ability to quickly analyze and assess complex transactions.
• Self-motivated; takes ownership for own career management, seeking opportunities for continuous development.
• Actively supports the Business strategy, plans and values, contributing to a high-performance culture.

Skills

• Credit analysis
• Risk management
• Loan and derivative approvals
• Counterparty credit limit monitoring
• Credit term negotiation
• Capital markets products
• Vanilla and complex derivatives
• Commercial banking products
• Trading documentation
• Risk mitigation strategies
• Derivative contract negotiation
• Loan documentation negotiation
• Interpersonal skills
• Leadership skills
• Communication skills (verbal and written)
• Analytical skills
• Attention to detail
• Spanish fluency
• Portuguese proficiency (a plus)

Location

• New York, NY

Work Type

• Hybrid

Experience Level

• Assistant Vice President

Education Level

• Bachelors degree in Finance, Accounting, Economics or related fields

Salary/Compensations

• $100,000 to $153,000

Benefits

• A diverse and inclusive environment that embraces change, innovation, and collaboration
• 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
• Access to physical, emotional, and financial wellness benefits
• Benefits and perks that enable colleagues to live authentically and be their whole selves, at every stage of life

About the Company

• Deutsche Bank provides reasonable accommodations to candidates and employees with a substantiated need based on disability and/or religion.
• 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.

Equal Opportunity

• Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status or other characteristics protected by law.
• EEOC Know Your Rights
• Employee Rights and Responsibilities under the Family and Medical Leave Act
• Employee Polygraph Protection Act