Cross Product Structurer TF&L

Job Title: Lead Structurer

Corporate Title: Director

Role Description

Structurer is responsible for all activities required to define, design, develop and deliver new products to support the business strategy.

Work includes:

• Partner with Sales team on all cross-product structuring activities for TFL India and structure innovative solutions across Trade Finance and Lending (TFL) Pillars including Lending, Structured Trade and Export Finance, Project Finance, Natural Resource Finance, Working Capital and Documentary Trade, with an aim to creating new solutions
• Partnering with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients and drive/participate in the negotiation and execution of the mandated transactions with clients
• Managing all aspects of the new product development and ensuring adherence to the NPA/NTA process and participating in discussions with internal partners (e.g. Risk; Legal) as appropriate, for the smooth execution of transactions
• Attaining set performance targets, optimum resource utilization and adherence to relevant internal policies/controls and regulatory requirements, focusing on holistic problem solving for Balance Sheet Management, Optimization of RWA and Credit Limits
• Monitoring progress and implementing strategies to ensure successful delivery of new products and reviewing product design for compliance with each local marketplace.

Your key responsibilities

The role as Senior Structurer (i.e. front office employee of the 1st LoD unit) in the TFL Cross-Product Structuring Team includes the independent development of solutions or products to serve complex customer requirements or situations. In detail, this includes:

• Identify customer situations in close coordination with Corporate Coverage TFL Sales, other DB sales units (e.g. IB) and the existing structuring teams of the respective TFL product areas,
• In accordance with the risk profile of DB Corporate Bank and all external and internal (legal and regulatory) requirements, develop customer solutions based on trade finance, credit and capital market instruments (including derivatives in asset classes - credit, rates, Commodities, etc.)
• Have clear end-to-end ownership for individual transactions, especially with regard to pricing, economic risk analysis, regulatory and accounting evaluation, documentation, DB-internal coordination (including NTA and NPA) and their implementation,
• Collaborate with internal teams, including risk management, legal and compliance to ensure that transactions comply with internal and regulatory requirements and policies
• Will immediately help shape the training and further development of junior structurers or, in the medium term, will take on personnel responsibility themselves
• Drive innovation and continuous improvement of Trade Finance and Lending solutions. Stay abreast of market trends, regulatory changes and emerging technologies to ensure the bank remains at the forefront of trade finance and lending
• Develop and implement a comprehensive strategy aligned with the banks goals and market trends. Identify opportunities for growth and optimization within the TFL space.

Your skills and experience

• Excellent college or university degree in Finance or related field
• Good understanding and experience of financial modelling and financial & non-financial risk analysis
• Exceptional business and credit paper writing skills on the mandated transactions
• At least 9-12 years of practical experience as a structurer in one of the asset classes (Structured Credit/Finance, Interest Rates, FX, Commodities) in the capital market business of a global bank/financial service provider:
• OR in structured finance, loan markets, securitization and or other credit intensive markets.
• Strong understanding of financial markets and products with a focus on structured finance
• Proven track record of successfully structuring and executing complex financial transactions
• Understanding of a bank balance sheet, a bank's risk and product approval procedures,
• Knowledge of common booking, pricing and risk analysis systems of DB or a bank
• High level of motivation, entrepreneurial skills in dealing with internal and external stakeholders/customers and ability to work independently
• Excellent communication and teamwork skills within a global group of international specialists whose working language is English