Commercial Real Estate Risk Officer - Vice President

Deutsche Bank•New York, NY

4d•$125,000 - $222,500•Hybrid

About The Position

The Commercial Real Estate Risk Officer manages real estate credit risk for Deutsche Bank’s Commercial Real Estate Group, handling approvals for real estate transactions retained on the balance sheet. The role sets and monitors counterparty credit limits, negotiates term sheets, reviews due diligence and underwriting, and interfaces with senior management and Business personnel. It analyzes and recommends approvals, declines, or revised loan terms for commercial real estate transactions, including stabilized, transitional, ground-up construction, conversion, and acquisition or rehabilitation properties. The Risk Officer serves as the primary intermediary between Business units, department heads, and credit committees; helps structure transactions to achieve optimal risk/return outcomes; and monitors the portfolio and financial and market developments in commercial real estate and related sectors. The position also oversees portfolio monitoring and sponsor or guarantor financial capacity reviews, watchlist credits, impairment analyses, transaction and credit documentation, and data integrity in IT systems. The role assists with and may lead coordination with internal and external auditors, regulatory authorities, and other bank teams. The position provides guidance to junior team members, trains new team members on commercial real estate fundamentals, and responds to auditor queries with concise analysis and presentations when required. It is based in New York City under the Bank’s hybrid working model.

Requirements

Extensive commercial real estate credit experience.
Balance-sheet lending experience.
Ability to analyze and review highly structured loans.
Experience working with internal and external auditors.
Proven ability to use AI tools to enhance productivity and optimize workflows to solve business problems, with critical judgment and responsible, ethical use of data and AI outputs.
Experience leading or managing internal and external audit coordination.
Excellent verbal and written communication skills.
Ability to multitask.

Nice To Haves

Structured lending experience.
Ability to work independently as a highly motivated Vice President.

Responsibilities

Analyze proposed commercial real estate transactions and recommend credit approvals, declines, or new loan terms, including for stabilized, transitional, ground-up construction, conversion, and acquisition or rehabilitation properties.
Act as the primary intermediary between Business units, department heads, and credit committees.
Monitor the commercial real estate portfolio and financial and market developments in commercial real estate and related sectors.
Analyze the balance-sheet portfolio, including construction and transitional loans, and recommend approvals.
Work with internal Business unit personnel to prepare credit reports and due diligence documentation consistent with business strategies, risk appetite, policies, and procedures.
Monitor the existing portfolio and sponsor or guarantor financial capacity; review watchlist credits and prepare impairment analyses and memoranda as needed.
Assist in structuring transactions to achieve optimal risk/return outcomes.
Maintain data integrity for names and transactions in IT systems.
Assist with and sometimes lead coordination with internal and external auditors, regulatory authorities, and bank infrastructure teams such as Finance, Regulatory, and Risk Analytics.
Provide guidance and support to junior team members.
Train new team members on commercial real estate fundamentals.
Provide auditors with concise analysis and responses to queries and conduct presentations when required.