26 Biz 2 Credit Info Services Jobs

Key Responsibilities:

• Leadership and Team Management: Oversee and guide a team of underwriters in structuring, analyzing, and negotiating credit transactions. Ensure smooth workflow and high-quality output from the team.
• Strategic Oversight: Responsible for full-cycle underwriting for assigned small business financing, ensuring creditworthiness evaluations align with company objectives and risk management protocols.
• Financial Analysis: Lead the team in analyzing clients' cash flow statements, tax returns, and financial information. Ensure accurate financial assessments are conducted, including ratio analysis, trend analysis, and projection evaluation.
• Credit Assessment: Provide final oversight on credit analysis and financial statement assessments for co-owners, guarantors, and individuals involved in the financing. Ensure robust analysis of assets for loan amounts requested.
• Collaboration: Work closely with Relationship Managers to ensure smooth communication between teams, including customer calls, site visits, and alignment on client needs.
• Due Diligence and Risk Management: Supervise and ensure that the team conducts due diligence as required to assess creditworthiness and mitigate financial risk.
• Night Shift and Office Presence: Oversee operations during night shifts and ensure office-based work standards are maintained.

Perks & Benefits:

• Transportation: CABS will be provided, including pick and drop both ways.
• Medical Benefits: Comprehensive medical insurance.
• Incentives: Attractive incentive packages based on performance.
• Night Shift and Work from Office.

Desired Candidate Profile:

• Educational Background: Bachelors/Master's degree in finance, accounting, or a related field.
• Experience: 7-15 years in a commercial credit analysis or underwriting role with small businesses. Formal credit training is highly preferred.
• SME/ MSME Lending.

Skills:

• Strong leadership, team-building, and managerial abilities.
• In-depth knowledge of financial analysis, credit principles, and lending operations.
• Expertise in reading and analyzing financial statements, cash flow, industry trends, and projections.
• Proficiency in Excel, Word, and financial analysis tools such as Moodys.
• Familiarity with due diligence tools such as SOS, Clear report, and TLOx Transunion.
• Excellent verbal and written communication skills with the ability to engage in effective discussions with counterparts, especially in the US & Domestic.

Attributes:

• Strong problem-solving skills.
• Ability to work under pressure, prioritize tasks, and handle multiple projects simultaneously.
• Detail-oriented and results-driven.