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About the Role
The Risk Specialist position is within the Risk Management Department of the International Private Bank / Wealth Management.
Responsibilities
- Partner with Lending and Client Advisors to grow the Wealth Management lending book by structuring non-standard transactions, reviewing term sheets and bespoke documentation, and proposing risk mitigants.
- Advise front-office staff on credit approvals, requirements and relationship matters to manage risk and achieve optimal solutions.
- Maintain portfolio quality through robust portfolio management and ensure concentrations and limits remain within risk appetite, policies and regulations.
- Manage daily lending-value shortfalls, monitor bookings, covenants and conditions, ensure credit terms are correctly documented, and keep risk systems accurate and up to date.
- Work with both internal and external auditors to ensure that audits progress smoothly and that any issues raised are resolved promptly.
- Provide timely, transparent communication on the decision-making including risk analysis and approval conditions to the key stakeholders.
Requirements
- Experience in structured finance and corporate / investment banking credit in major International Financial Institutions.
- Commercial Real Estate credit experience will be highly welcomed.
- Good understanding of WM products, alternative and illiquid investments (Private Equity, Private Debt, Infrastructure, Real Estate, Hedge Funds) and their key risk and valuation drivers.
- Good knowledge and experience with fundamental credit analysis, valuation methodologies (DCF, Comparable/Multiple Approach).
- Understanding of loan structures and loan documentation.
- Knowledge of structured financial products, derivatives and associated risks.
- Strong written and verbal communication, with concise reporting skills.
- An analytical, independent decision-maker who can support and defend conclusions while remaining open to opposing stakeholder views.
- Collaborative, flexible and self-motivated, with the ability to meet deadlines under pressure and work effectively with front-office staff.
- Strong stakeholder management and communication skills, translating complex risks into clear recommendations for senior management.
- 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.
Skills
- Structured finance
- Corporate banking credit
- Investment banking credit
- Commercial Real Estate credit
- WM products
- Alternative investments
- Illiquid investments
- Private Equity
- Private Debt
- Infrastructure
- Real Estate
- Hedge Funds
- Fundamental credit analysis
- Valuation methodologies
- DCF
- Comparable/Multiple Approach
- Loan structures
- Loan documentation
- Structured financial products
- Derivatives
- Written communication
- Verbal communication
- Concise reporting
- Analytical decision-making
- Stakeholder management
- AI tools
Location
- London
Work Type
- Hybrid working
Experience Level
- Assistant Vice President
Education Level
- Bachelor’s or Master’s degree in Engineering, Mathematics, Economics, Statistics, Science, Master of Business Administration (MBA) or equivalent experience
Salary/Compensations
- Competitive salary
Benefits
- Non-contributory pension
- 30 days’ holiday plus bank holidays
- Option to buy more holiday
- Life assurance
- Private healthcare for you and your family
- Flexible benefits
- Retail discounts
- Bike4Work
- Gym benefits
- Opportunities to support a broad CSR programme
- Two volunteering days a year
- Coaching and support from experts
- Culture of continuous learning
About the Company
- For over 150 years, our dedication to being the Global Hausbank for our clients has been driven by our people – in around 60 countries and across more than 150 nationalities.
- Deutsche Bank is the leading German bank with strong European roots and a global network.
- Deutsche Bank in the UK is proud to be named in The Times Top 50 Employers for Gender Equality and has been awarded a Proud Employer Trailblazer Status from Stonewall and named in their Top 100 Employers.
- 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
- We value diversity and as an equal opportunities employer, we make reasonable adjustments for those with a disability such as the provision of assistive equipment if required (e.g. screen readers, assistive hearing devices, adapted keyboards).
- If you have a disability, health condition, or require any adjustments during the application process, we encourage you to contact our Adjustments Concierge at adjustmentsconcierge@db.com to discuss.
- We welcome applications from all people and promote a positive, fair and inclusive work environment.