Banking Advisory Associate

Overview

Banking Advisory Associate role in Commercial Banking Credit Underwriting, evaluating the creditworthiness of businesses applying for loans or credit and supporting sound lending decisions.

What you'll do

• Provide subject matter expertise support for understanding origination guidelines and utilizing the underlying financial statements to complete the origination process.
• Carry out the credit lending process, including initial loan setup, detailed analysis of financials, and setting covenants.
• Analyze accounts receivable for borrowing base calculation for working capital line of credit.
• Draft detailed credit memoranda through analysis of the 5 Cs of Credit: Character, Capacity, Collateral, Capital and Current Market Conditions.
• Conduct detailed research on the financial history of businesses to determine their creditworthiness.
• Assess risk parameters of the loan, borrower and industry, including the financial performance of the borrower and guarantor and their repayment capacity.
• Recommend the future course of action in approving, declining or counter-offering business loans.
• Undertake ad-hoc reporting and analysis requirements.
• Analyze and execute assignments and deals with moderate complexity.
• Provide work products with improved quality and timeline.

What you'll need

• MCom or Master of Business Administration (MBA/B.COM Finance and Accounting).
• 1 to 3 years of experience.
• Flexibility to work rotational shifts.
• Good team player who is dynamic, result-oriented, with strong work ethic.

Nice to have

• Experience in origination system and client customized templates.
• Experience or exposure to US commercial banking operations.

Details

• Location: Chennai.
• May require working in rotational shifts.