Hiring For Credit Underwriting- Bangalore

Responsibilities:

Credit Underwriting:

• Evaluate loan applications for commercial and wholesale banking clients, ensuring adherence to internal credit policies, risk appetite, and regulatory frameworks (e.g., Basel III).
• Prepare detailed credit memos and present recommendations to the credit committee.
• Structure and negotiate credit facilities, including term loans, working capital, trade finance, and real estate-backed loans.
• Credit Analysis: Assess creditworthiness by analyzing borrowers financial statements, cash flow projections, and risk factors.
• Perform thorough due diligence on borrowers, guarantors, and collateral.
• Loan Document Review: Conduct thorough reviews of loan documentation to identify risks and ensure compliance with legal and organizational requirements.
• Financial Statement / Ratio Analysis: Analyze key financial ratios, trends, and statements to provide recommendations on lending decisions.
• Corporate/FI Onboarding: Collaborate with internal stakeholders to ensure smooth onboarding of corporate clients and financial institutions, while maintaining compliance standards.
• Collaboration:
• Partner with relationship managers to design client-specific solutions.

Qualifications and Skills

Education:

• MBA or equivalent degree in Finance, Accounting, Economics, or a related field.

Experience:

• 3-7 years of credit underwriting experience in a commercial/wholesale banking environment.
• Proficiency in analysing financial statements and creating credit structures for mid-market and corporate clients.

Technical Skills:

• Proven experience with commercial and wholesale loans, including loan structures and risk assessment methodologies.
• Strong understanding of commercial/wholesale banking products, such as term loans, trade finance, and CRE lending.
• Expertise in financial modeling, cash flow analysis, and debt capacity assessment.
• Familiarity with credit scoring systems, loan documentation, and collateral management.
• Proficiency in credit analysis, including financial statement interpretation and ratio analysis.
• Ability to assess cash flows and financial trends to support sound lending decisions.
• Expertise in reviewing and interpreting loan documentation to identify and mitigate associated risks.
• Proficiency in Microsoft Excel and other financial analysis tools.

Soft Skills:

• Strong analytical and decision-making skills.
• Excellent verbal and written communication skills.
• Ability to work under pressure and manage multiple priorities.

Location:

• Bangalore