Mission: To achieve strong growth in WM APAC and LatAM Lending volumes and revenues – under a sales management approach - while maintaining credit quality and minimizing credit losses for problem loans / workouts. Loan structuring skills and focus on operational matters are required.

Responsibilities

1. To act as lead Lending Officer for WM APAC and LatAM transactions booked in DB Switzerland or (potentially) other EMEA booking centers. Assisting and driving the WM Client Advisors in all their credit-related needs, i.e.:

• To determine client needs and the feasibility of a credit transaction
• To structure the transaction to make it acceptable from both commercial and risk standpoints
• To determine client derivative needs, level of sophistication and initial margin requirements (client tiering). Facilitate Riks/Legal negotiations of ISDA/CSA or other documentation requirements.
• To formalize it in detailed a Credit Report
• To get deals approved by Risk Management, through discussions / conference calls
• To coordinate approval implementation with Risk Management
• To follow up on approval credit approval conditions
• Negotiation/advisory part including term sheet creation and negotiations, collateral valuation process coordination, etc. with clients, relationship managers, collateral experts and technical advisers, etc
• To have all the relevant documentation finalized and signed (tendering process to appoint law firms, negotiation, review of documents and invoice management), in liaison with legal
• Trading product lines and analyzing trading exposure including legal documentation creation with Legal
• To ensure timely closing of Annual Reviews
• Loan work outs
• Drive lending relevant New Product Approvals
• Maintain close control over the Lending book under the LO responsibility (maturities like Insurances on RRE, Covenants delivery etc)

2. To provide mutual back-up to other team member(s) while travelling or on leave,

3. To promote credit as a business (client acquisition/retention, cross-sell AUM growth and revenue generation) within the context of a broad WM relationship through training, product presentation and platform improvement projects

To identify and improve processes (locally or within EMEA) for the Lending product that require enhancement / adjustment in order to create an efficient and effective ‘risk-averse’ environment To foster knowledge sharing, development, personal development and behavior in line with DB values & beliefs as a member of the Lending and Deposit EMEA team To participate to key projects of DBS or Lending function (technical projects like GlobeR or regulatory projects)

Coverage

• CAs in charge of APAC and LatAM WM business and transactions booked in EMEA booking centers (mainly DBS)

Performance Measures

• Quantitative: to achieve targeted increase in lending volumes and credit revenues
• Qualitative: level of satisfaction with other Lending and Deposit team members and Client Advisors, quality of Credit Reports, communication with stakeholders, maintenance of a low overdue rate of Annual Reviews

Our values define the working environment we strive to create – diverse, supportive and welcoming of different views. We embrace a culture reflecting a variety of perspectives, insights and backgrounds to drive innovation. We build talented and diverse teams to drive business results and encourage our people to develop to their full potential. Talk to us about flexible work arrangements and other initiatives we offer.
We promote good working relationships and encourage high standards of conduct and work performance. We welcome applications from talented people from all cultures, countries, races, genders, sexual orientations, disabilities, beliefs and generations and are committed to providing a working environment free from harassment, discrimination and retaliation.