Private Bank Lending Structurer, VP

About the role

Deutsche Bank is hiring a Lending Structurer, VP, for its private banking lending team in Singapore. The Lending VP works closely with Coverage, Business Risk Management, Investment Solutions and other lending colleagues to implement and execute the lending business strategy and transactions for the APAC region. The role leads and supports credit structuring and financing solutions, including business, financial and legal analysis, due diligence, documentation and credit approval, and includes mentoring junior team members.

Key responsibilities

• Structure and execute tailored financing solutions for Ultra High Net Worth clients and Family Offices in Southeast Asia and South Asia, aligned with risk appetite, return thresholds and internal credit policies
• Focus on financing against liquid to less liquid assets such as share-backed financing, real estate, alternative investments and structured products
• Handle flow transactions and exceptional cases such as large exposures, concentrations, extended credits and policy exceptions, applying covenants and hedging where needed
• Take part in new business initiatives and product development, and join client meetings with Sales/Coverage to discuss structured products and coordinate with internal and external lawyers on legal documentation
• Monitor ongoing transactions and help draft marketing, deal execution and internal desk reports
• Shape credit-related processes, policies and platform enhancements

Required profile

• 8+ years of relevant experience in private banking, wealth management, investment banking, structured finance, credit structuring or lending solutions at a leading financial institution
• Demonstrated experience structuring bespoke financing for UHNW clients, Family Offices and complex borrower structures
• Experience with large exposures, extended credit facilities, policy exceptions and bespoke financing requiring extensive analysis and negotiation
• Good understanding of credit processes, policies and related legal and regulatory requirements

Required skills

• Credit analysis and underwriting: corporate, individual and asset-backed credit risk, financial statement analysis, cash flow, leverage metrics and collateral evaluation
• Credit risk management: concentration risk, covenant structuring, risk mitigation and exception approval
• Lending documentation, legal structures and transaction execution, with experience partnering with internal and external legal counsel
• Fundamental financial analysis of corporates and thorough knowledge of capital markets and derivatives products
• Strong written and verbal communication, analytical skills and ability to work under pressure and deadlines
• Proven ability to leverage AI tools to improve productivity

What we offer

• Flexible benefits plan including virtual doctor consultation services
• Comprehensive leave benefits, gender-neutral parental leave and 25 days of annual paid leave plus public holidays
• Hybrid working arrangements
• A culture of continuous learning to support progression