- Partner with Lending and Client Advisors to grow the Wealth Management lending book by structuring non-standard transactions, reviewing term sheets and bespoke documentation, and proposing risk mitigants. Advise front-office staff on credit approvals, requirements and relationship matters to manage risk and achieve optimal solutions
- Portfolio coverage will primarily comprise complex structured loans including lending against unlisted / unrated / illiquid securities; holdco / mezz structures with heavy reliance on operating cash flows of the company whose shares have been pledged as well as regular large Margin Lending esp. against illiquid, non-investment grade rated securities as well as Commercial Real Estate Loans. Review will often require fundamental equity / collateral valuation including Discounted Cash Flow (DCF) based review
- Maintain portfolio quality through robust portfolio management and ensure concentrations and limits remain within risk appetite, policies and regulations. Manage daily lending-value shortfalls, monitor bookings, covenants and conditions, ensure credit terms are correctly documented, and keep risk systems accurate and up to date
- Work with both internal and external auditors to ensure that audits progress smoothly and that any issues raised are resolved promptly
- Credit authority under 4-eye principle targeted. Provide timely, transparent communication on the decision-making including risk analysis and approval conditions to the key stakeholders

Preferably a Bachelor’s or Master’s degree in Engineering, Mathematics, Economics, Statistics, Science, Master of Business Administration (MBA) or equivalent experienceCollaborative, flexible and self-motivated, with the ability to meet deadlines under pressure and work effectively with front-office staff. Robust stakeholder management and communication skills, translating complex risks into clear recommendations for senior managementGood knowledge and experience with fundamental credit analysis, valuation methodologies (DCF, Comparable/Multiple Approach). In addition to understanding loan structures and loan documentation, also possess knowledge of structured financial products, derivatives and associated risksExperience in structured finance and corporate / investment banking credit in major International Financial Institutions. Commercial Real Estate credit experience will be highly welcomed. Good understanding of WM products, alternative and illiquid investments (Private Equity, Private Debt, Infrastructure, Real Estate, Hedge Funds) and their key risk and valuation driversStrong written and verbal communication, with concise reporting skills. An analytical, independent decision-maker who can support and defend conclusions while remaining open to opposing stakeholder viewsProven ability to leverage AI tools to enhance productivity, optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs

📌 Risk Specialist (West Nipissing)
🏢 Deutsche Bank
📍 West Nipissing