Credit Risk Expert for the Securitisation division of the Private Bank (m/f/x)

Key Responsibilities

Be the subject matter expert for all capital transactions involving Private Bank products (including mortgages, consumer finance, and Lombard loans) and respond to all requests for reference portfolio analysis from potential and existing investors as well as internal stakeholders.

Conduct in‑depth analysis of the Private Bank asset portfolios, credit risk, and market conditions to inform structuring decisions and optimize placement strategy for securitisation transactions, including cash and synthetic risk transfer deals, off‑balance sheet vehicles, and loan repackaging opportunities.

Monitor portfolio performance, manage ongoing reporting obligations, and proactively address any issues arising during the transaction lifecycle with the relevant product management teams.

Collaborate with credit modelling experts, structuring, Strategic Corporate Lending and treasury teams to identify market opportunities, ensuring alignment with group‑wide capital and funding strategies.

Ensure all securitisation transactions comply with relevant regulatory frameworks (e.g., CRR, Securitisation Regulation, Basel III, IFRS9), including origination due diligence, risk retention, transparency, and disclosure requirements.

Provide training and guidance to junior team members and stakeholders on securitisation best practices, regulatory changes, and market developments.

Skills and Experiences

• University degree in finance, economics, business administration, or a related field.
• Advanced certifications (e.g., CFA, CPA) are a plus.
• At least10years of professional experience in securitisation in a German bank.
• Minimum7‑10years of experience in securitisation or structured finance, preferably within a major financial institution.
• Deep knowledge of retail banking products and capital regulation.
• Strong analytical and financial modelling skills, with proficiency in structuring complex transactions and understanding regulatory requirements.
• Excellent communication and presentation skills, with the ability to translate technical concepts into actionable business guidance for senior management.
• High level of initiative, independence, and adaptability; able to deliver high‑quality results under time pressure and changing parameters.
• Ability to work effectively in a global team with a strong capability to motivate and encourage colleagues and to resolve conflicts.
• Excellent oral and written communication skills in both German and English.

Employment Details

• Job type: Full‑time and Part‑time.

EEO Statement

We welcome applications from all people and promote a positive, fair and inclusive work environment.