Job Description:For over 150 years, our dedication to being the 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.As a member of the DB Luxembourg Lending team, the Lending Officer partners closely with Relationship Managers to discuss, structure, negotiate and execute tailored structured lending solutions for Private Banking clients, while ensuring an appropriate balance between Risk / Reward. The role also involves ongoing monitoring of the credit portfolio to maintain sound credit quality and identify early warning signals to mitigate potential losses.Responsibilities:Act as a senior Lending Officer for Wealth Management EMEA transactions booked in DB Luxembourg and, where applicable, other EMEA booking centers.Support and guide Relationship Managers on all credit-related matters, including assessing client needs and feasibility of proposed lending transactions.Structure new lending transactions that meet client objectives while adhering to risk and profitability standards.Manage the end-to-end credit approval process, including preparation of detailed credit reports, coordination with Risk Management and fulfilment of approval conditions.Oversee the legal documentation process, including term sheet drafting, coordination with external law firms and notaries, negotiation of facility and security documentation and execution through to closing and disbursement.Coordinate collateral valuation process with clients, internal specialists and external advisers.Maintain close oversight of the lending portfolio under responsibility, including covenant monitoring, insurance and valuations renewals and preparation of annual credit reviews.Support loan workout activities (as applicable).Drive lending relevant New Product Approvals (as applicable).Provide backup coverage for other team members during absences.Promote lending as a core pillar of the Wealth Management offering through client engagement, cross-selling initiatives, trainings / product presentations and platform enhancement projects.Skills:Minimum 5–8 years of experience in similar structured lending or credit risk roles, ideally in the wealth management business.Excellent English required; additional languages such are French or German are an advantage.Proficient in MS Excel, Word, and PowerPoint.Strong team player with ability to work under pressure and prioritize tasks effectively.Works fast with utmost precision even under pressure, error-free and under own initiative.Self-motivated, positive, and open-minded with a strong desire for professional growth.Good interpersonal and communication skills.The successful candidate will be asked to present a recent criminal record.Well-being & Benefits:Emotionally and mentally balanced: We support you in maintaining good mental health. Benefit from initiatives such as training events, counseling and support in difficult life situations and a culture where you can openly speak about mental health. Reach out to our Mental Health First Aiders.Physically thriving: We support you managing your physical health by taking appropriate preventive measures and providing a workplace that helps you thrive. We offer an in-house gym, standing desks, medical check-ups and promote healthier ways of working.Socially connected: We strongly believe in collaboration, inclusion and feeling connected to open up new perspectives and strengthen our self-confidence and well-being. Our local benefits vary from different types of leave, sports groups to engage with colleagues while keeping physically active and a hybrid working model.Financially secure: We support you to meet personal financial goals during your active career and for the future. Thus, we offer two pension contribution plans, a worldwide accident insurance, private insurance discounts, special conditions as a Deutsche Bank employee with several retail banks in Luxembourg, public transportation reimbursement, lunch voucher scheme, company car participation, as well as a Corporate Benefits platformWe strive for a 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.
