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Senior Business Clients Credit Advisor role at Deutsche Bank in Pune handling complex credit financing.
Enjoy flexible benefits, career growth, and a collaborative culture.
Position Overview
Position Overview Job Title: Business Clients Credit Advisor Corporate Title: Associate Location: Pune, 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. 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. 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. 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
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. Best in class leave policy. Gender neutral parental leaves Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Complementary Health screening for 35 yrs. and above
Your key responsibilities
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 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 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 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 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 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 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 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 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. 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 Implementing regulatory KYC requirements, and maintaining compliance with other applicable regulatory requirements and guidelines
Your skills and experience
Your skills and experience Candidate should have excellent communication in English and well groomed. Candidate should have excellent communication in English and well groomed. Minimum qualification required is Graduation. Minimum qualification required is Graduation. Minimum Experience should be 8 – 12 Years in relevant field. 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. 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.
How we’ll support you
How we’ll support you Training and development to help you excel in your career. Training and development to help you excel in your career. Coaching and support from experts in your team. Coaching and support from experts in your team. A culture of continuous learning to aid progression. A culture of continuous learning to aid progression. A range of flexible benefits that you can tailor to suit your needs. A range of flexible benefits that you can tailor to suit your needs.
About us and our teams
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.
Legal Note
We welcome applications from all people and promote a positive, fair and inclusive work environment.