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CPM - Credit Analyst, Associate

  • Job
    Full-time
    Junior & Mid Level
  • Data
    Banking & Finance
  • Mumbai

AI generated summary

  • You should have sector risk assessment skills, credit market knowledge, strong communication, decision-making under pressure, 2-3 years of credit analysis experience, and preferably a CA/MBA/CFA.
  • You will analyze financial performance, assess credit risk, monitor portfolios, track market events, and assist in counterparty due-diligence calls and visits.

Requirements

  • Good sector/country risk assessment skills
  • Understanding of credit market/products
  • Self-starter with ability to firmly communicate ideas and clear recommendations based on analysis
  • Decision making and working under pressure
  • Team player attitude, flexibility and excellent interpersonal skills
  • Minimum Undergraduate- preferably CA/MBA/CFA
  • Minimum 2-3 years of credit analysis experience

Responsibilities

  • In-depth analysis of business model, industry, financial performance (balance sheet, income statement, cashflows, liquidity, financial ratios), management quality and expected future performance (cashflow models/forecasts) as well as market data and peer analysis to take a comprehensive view on credit risk being underwritten in lending/derivative books
  • Combining credit analysis with market view (yields, credit spreads) to determine the appetite & hold period for underlying credit
  • Regular & ongoing portfolio monitoring (tracking of company/sector news, earnings, credit & market events) to determine any change in trading strategy in terms of reducing/exiting the credit position, de-risking strategies or building incremental positions into lending/derivative books
  • Assist/participate in counterparty due-diligence calls and visits

FAQs

What is the job title for this position?

The job title for this position is CPM - Credit Analyst, Associate.

Where is this job located?

This job is located in Mumbai, India.

What are the key responsibilities of a Credit Analyst, Associate?

The key responsibilities include in-depth analysis of business models, financial performance, management quality, ongoing portfolio monitoring, and assisting in counterparty due-diligence calls and visits.

What qualifications are required for this position?

A minimum undergraduate degree is required, preferably in CA, MBA, or CFA, along with 2-3 years of credit analysis experience.

Are there any benefits associated with this position?

Yes, benefits include a best-in-class leave policy, gender-neutral parental leaves, healthcare insurance, flexible working arrangements, and sponsorship for industry-relevant certifications.

What skills and experience are necessary for this role?

Candidates should possess good sector/country risk assessment skills, an understanding of credit markets/products, the ability to communicate ideas clearly, and a team player attitude with flexibility and excellent interpersonal skills.

How does Deutsche Bank support employee development?

Deutsche Bank offers training and development programs, coaching from experts in the team, flexible working arrangements, and a culture of continuous learning for career progression.

Is there support for child care expenses?

Yes, there is a 100% reimbursement under child care assistance benefits, which is gender-neutral.

Will I have opportunities for professional growth in this role?

Yes, the position provides opportunities for training, development, and progression within a supportive work environment.

What kind of work-life balance can I expect in this job?

You can expect flexible working arrangements to help balance personal priorities while fulfilling job responsibilities.

Finance
Industry
10,001+
Employees
1869
Founded Year

Mission & Purpose

At Deutsche Bank, we give original thinkers the space and support they need to shine. Merging local knowledge with global vision, in-depth insight with industry-leading digital expertise, if you’re an innovator by nature, we can help you to unleash your potential. We see things differently at Deutsche Bank – and we’re proud of our fresh perspective. Today, we’re driving growth through our strong client franchise, investing heavily in digital technologies, prioritising long-term success over short term gains, and serving society with ambition and integrity. Wherever your interests lie – in investment banking, trading, private wealth, asset management, retail banking - or many of the infrastructure functions that support them – you’ll discover resources, training and opportunities designed to keep you ahead of the curve. Intelligence has no boundaries: we welcome high-achieving, talented individuals from any background.

Benefits

  • Home office flexible work time

    We support flexible working, whether that’s working from home, flexible working hours or even part-time working. However, it is important to note that opportunities will vary depending on your particular role.

  • Annual leave & more

    Employees are entitled to generous leave allowance (details should be discussed with local recruitment teams). Additionally, paid leave is granted for special events including, wedding/civil partnerships, compassionate leave, paternity leave or when you’re caring for a sick child. On top of the statutory 36 months of parental leave (Germany), Deutsche Bank offers an extra six months of parental leave – providing you have been with us for more than three years.

  • Support & Counselling

    Whether you need professional help or personal advice: Deutsche Bank offers a comprehensive support network ranging from career advice, mental health support, assistance in finding childcare or social care for the elderly.

  • Health insurance

    You can choose between statutory or a range of private health insurance options. Our statutory health insurance ‘Betriebskrankenkasse BKK’ is available exclusively to Deutsche Bank employees and their families. Aside from shorter waiting times for appointments, BKK provides access to expert medical consultations over the phone and regular health checks.

  • Sick pay

    Beyond statutory sick pay, Deutsche Bank will also cover the difference between your net salary and the statutory sickness benefit allowance. The duration of the sick pay will be dependent on the number of years you’ve worked with us.

  • Pension

    We understand that pensions can be a dry topic; however here at Deutsche Bank, we are dedicated to simplifying the complexities, so that all of our people can enjoy their lives beyond work. To provide a great foundation for your future, we provide our people with a comprehensive pension scheme that delivers all the security and all the flexibility you need.