Risk / Credit / Financing
Analysis of risks for sustainable and stable Growth
During risk, credit and financing, your analyses are the key to sustainable growth - for clients and Bank. You recognise the opportunities and manage the risks successfully in order to achieve equilibrium between security and growth. The area of responsibility includes all of the types of risks essential for the Bank - from credit, market and counterparty risks to cyber risks, operational risks, ESG risks to non-financial risks such as model, IT and supplier risks. The most important task is to protect the
equity capital of the Bank and to keep the liquidity risks manageable at all times. This is achieved by combining methods, models, processes and data with portfolio expertise, the basis on which overall risk type and segment control is ensured. Here, the responsibility is to keep an eye on the current and future regulatory requirements and to implement them based on risk. Technological further development, e.g. by artificial intelligence, is used for further automation of the risk management processes and to increase the effectiveness of the risk management. At the same time, the resulting risks are integrated in our risk control.
Our departments
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Model Risk Management and Validation uses models to support business decisions, identifies and lessens model risks, consciously accepts irreducible risks and guarantees compliance with supervisory regulations.
Risk Model Validation validates all risk models, including credit, market, counterparty, liquidity risks and behavioural models. This division reviews quality and quantity, documents the results and reports to boards and supervisory officials.
Model Risk Management controls the management of model risks, monitors model risks, maintains the model inventory, is responsible for KI governance and validates all relevant models.
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Credit Risk Corporate Clients supports all credit risks of the corporate client segment from the initial granting to the intensive treatment, and focuses us on "Shape, Serve & Secure" by active portfolio management, high service quality and protection of the equity capital.
Corporate Sector analyses business models for future sustainability and indebtedness potential, makes loan decisions, controls risks, develops individual financing solutions and monitors the existing commitment.
Structured Finance monitors complex, large volume financings, analyses business models, prepares ratings, makes loan decisions, and supports distribution during client discussions in the areas of leverage buy out, structured debt, energy project, commercial real estate and asset- backed securities.
Institutionals offers custom financing solutions, analyses and controls credit and countries risks, issues ratings and strategies and supports distribution during complex transactions worldwide.
SME and Collateral Management monitors corporate clients from all industries during the financing of operating funds, investments, research and development or digitising and is responsible for all credit guarantees of the recorded corporate client business.
Intensive Care Large Corporations manages risks for corporate restructuring and sales of receivables, supports real estate financing and optimises risks by restructuring and sale of receivables.
Corporates International manages credit risks for international corporate clients, accompanies them through the entire credit cycle, analyses business models, makes loan decisions, develops financing solutions and monitors existing loans for investments and growth.
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Credit Risk Private and Business Clients manages credit risks for private and business clients, sets risk and decision parameters and protects the equity capital of the Bank. We control portfolios, influence our product selection and develop portfolio strategies.
New Business Private and Business Clients manages the new business and credit risks for private, wealth management and business clients, develop financing solutions, reviews new loans and alters financing structures.
Risk Early Detection supports distribution in the existing credit business, actively protects and manages the credit portfolio of the Commerzbank.
Intensive Care restructures and handles loans for business and private clients, minimises risks, develops strategies to avoid loan defaults and operates the professional recovery of defaulted receivables.
Credit Risk Steering prepares and maintains credit risk strategies, performs portfolio analyses, develops special processes, conducts risk mitigation and conducts asset quality reviews.
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Cyber Risk and Information Security assesses and reports risks to Information and Communications Technologies (IKT), guarantees a sustainable risk level, develops security processes with the focus on digitising, ensures cyber and information security and manages IKT risk emergencies.
Information Security controls the information security of the Bank, sets external requirements in order to define security processes, monitors risk management and continually improves security processes, digitising and automation.
Cyber Risk and Non Financial Risk sets standards for operational risks, controls cyber risks, protects clients against cyber attacks and carries out penetration tests and IT forensics.
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Risk Control is responsible for global market and liquidity risks as well as the monitoring of the risk-bearing capacity of the Group, ensures the liquidity of the Commerzbank and deals with regulatory officials. This includes control of the risks, monitoring of the risk-bearing capacity, analysis of statutory developments and ensuring smooth operations.
Market Risk Treasury and Banking Books and Liquidity Risk monitors and manages market risks and liquidity risks for Group Treasury and pension funds and also does modelling, reporting as well as stress tests and special analyses.
Market Risk and Valuations Corporate Clients analyses, quantifies and monitors the risk limits of trade units in the corporate clients segment in accordance with internal governance and external regulations and is also responsible for market risk management in branches and subsidiaries of the Commerzbank Group in Asia and New York.
Risk Reporting and Provisioning coordinates the external risk reporting, integrates ESG topics, is responsible for controlling the risk results, the market conformity check.
to ensure market-compliant conditions for all concluded trade transactions and the reporting of default portfolios.
Risk Operations COO coordinates cross-disciplinary functions, supports IT security, data protection, business continuity management, contract management, budget and cost controlling, administers governance topics, supports personnel and communications topics and provides project management skills.
Capital and Risk Analytics develops control models for risk and capital controlling, performs stress tests, assesses the macroeconomic and regulatory environment and appoints the “chief environmental risk officer”.
Risk Models and Calculations develops and delivers models and IT solutions for credit and operational risks, capital requirements and stress tests, meets cost-efficient internal and regulatory standards and guarantees reliable operation and quick adjustment of the IT platform.
Cluster Counterparty Risk monitors credit limits, reports risks to the regulatory officials, develops risk models, calculates prices and valuation reserves, prepares risk reports, supports trading by means of tests and margin calculations and manages contracts for hedges.
Cluster Valuations / Market and Liquidity Risk monitors and checks prices, prepares daily profit and loss statements, manages liquidity and market risk data, does stress tests and reviews interest risks in the Bank Book.
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