Junior Lending Officer (f/m/x) chez Deutsche Bank

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.  

Their deep understanding, insights, expertise, and passion help our clients navigate an increasingly complex world – be it in our Corporate Bank, our Private Bank, our Investment Bank or our Asset Management division.  

Together we can make a great impact for our clients home and abroad, securing their lasting success and financial security.   

Details of the role and how it fits into the team

The selected candidate will play a key role in supporting and expanding the lending business in Spain, with a focus on increasing revenues and volumes. As part of the Lending team, the candidate will be responsible for analyzing, structuring and executing, and managing both existing and new transactions, with the objective of growing the local loan book and credit revenues from our Wealth Management clients.

In this role, the candidate will work closely with Wealth Management Relationship Managers to drive sales of lending products, including Lombard financing, residential and commercial real estate financing, single-stock financing, and other lending solutions relevant to this client segment.

The position reports directly to the Head of the Lending Unit.

Key Responsibilities

• Support wealth management relationship managers with regards to sales and growth of lending products.
• Analyze the potential transactions, create the most suitable financing structure for the Wealth Management client in relation to our risk policies and legal requirements. Present and discuss with the credit risk management committee (and any bank departments involved) the proposed transactions.
• Implement and formalize the approved transactions.
• Manage, monitor, and administrate lending transactions during all its lifetime (ensuring compliance, and identifying and resolving potential conflicts.)
• Support other departments of the bank and get involved in local processes in all related to Wealth Management lending activity.

Your skills and experiences:

• Solid understanding of business and economic principles (i.e., degree in Business or Economics), with 1 – 2 years of experience in a related lending role.
• A good knowledge and understanding of overall banking processes, especially financing products as well as contractual matters.
• Ability to understand companies’ balance sheets and P&L.
• Good analytical and communication skills, ability to identify risks and mitigants throughout the overall credit process and ability to teamwork.
• Fluent in English and Spanish

Well-being & Benefits

• Emotionally and mentally balanced: We support you in dealing with life crises, maintaining stability through illness, and maintaining good mental health. Benefit from initiatives such as counseling and support in difficult life situations and a culture where you can openly speak about mental health…. 

• Physically thriving: We support you managing your physical health by taking appropriate preventive measures and providing a workplace that helps you thrive. For example, health care offerings, gyms and healthier ways of working, check ups, standing desks,... 

• Socially connected: We strongly believe in collaboration, inclusion and feeling connected to open up new perspectives and strengthen our self-confidence and well-being. Benefits vary from different types of paid and unpaid leave, career coaching, flexible working time models, participation in our ERGs,... 

• Financially secure: We support you to meet personal financial goals during your active career and for the future. Benefit from pension contribution plans, banking services for employees, insurance, company bicycles or public transport perks,... 

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.