Research Analyst/Sr Research Analyst

KEY ROLES AND RESPONSIBILITIES

• Supporting US bank s team in credit risk assessment of (i) Commercial Real Estate (CRE) loans and (ii) Commercial and Industrial (C&I) loans . The key activities include research and analysis of the CRE/ C&I entity to assess their credit strength. Candidates with extensive experience in CRE and limited experience in C&I may also apply.
• For CRE : Source information such as updated operating statements, rent rolls, valuation reports, spread financials in financial spreading tool such as Sageworks , conduct CRE cash flow analysis, credit analysis of the loans and preparing detailed annual and quarterly credit memos , to evaluate borrowers loan repayment ability, covenant monitoring, rent-roll analysis and property valuation. Good understanding of tools like CBRE, CoStar, RCA, REIS, Moody s CMM and Knowledge of Intex, Bloomberg will be preferred.
• For C&I : In addition to the skill-set expectations mentioned in the above points, spread financials (Audit, Business Tax Returns, Personal Tax returns, etc. ) in financial spreading tool such as Sageworks and CreditLens, analysis and calculation of qualifying income from various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc. A good understanding of nCino, Salesforce, RMA reports and Knowledge of Intex, Bloomberg will be preferred.
• Should be able to defend his/ her views on the covered entity when challenged by senior stakeholders and clients, interact effectively with clients.
• Support project managers on ad hoc projects.

MINIMUM & PREFERRED EDUCATION

• Minimum : Bachelor s degree in commerce or finance or equivalent experience in Commercial and Industrial loans underwriting.
• However, MBA or equivalent will be preferred.

MINIMUM & PREFERRED EXPERIENCE

• 3 to 5 years of work experience

REQUISITION TITLE

Research Analyst - CRE/ C&I loans analysis for supporting US bank