Lead Wealth Underwriter

Overview

Lead Wealth Underwriter role focused on borrower and collateral underwriting for high-net-worth and commercial real estate lending, including portfolio monitoring and mentoring lower-level staff.

What you'll do

• Lead or participate in moderately complex initiatives and deliverables, and contribute to large-scale planning related to Wealth Underwriting.
• Review, analyze, and evaluate borrower financial data for moderately complex high-net-worth loans to determine credit worthiness.
• Monitor the existing portfolio to identify issues requiring in-depth evaluation, and present recommendations for resolving moderately complex situations.
• Independently resolve moderately complex business, operational, or technical issues and lead the team to meet deliverables.
• Develop an understanding of Commercial Real Estate Lending policies, procedures, regulations, and compliance requirements for the Wealth Investment Management client as needed.
• Collaborate and consult with Wealth Underwriting peers, colleagues, and mid-level managers to resolve issues and achieve goals; serve as a mentor for lower-level staff.
• Provide input to assist leaders with credit risk management decisions to ensure satisfactory credit portfolio risk examinations.
• Perform comprehensive credit analysis of individuals, trusts, partnerships, LLCs, corporations, and other borrowing entities.
• Analyze Personal Financial Statements, business financial statements, and supporting documentation to assess borrower strength, liquidity, leverage, and repayment capacity.
• Review and interpret U.S. tax returns (Forms 1040, 1065, 1120/1120S, and trust returns) to determine sustainable cash flow and identify potential risks.
• Evaluate organizational and formation documents, ownership structures, guarantor relationships, and complex entity structures.
• Calculate and interpret key financial metrics, including debt service coverage ratios, liquidity metrics, leverage ratios, debt-to-income ratios, net worth calculations, and global cash flow analysis.
• Perform detailed reviews of balance sheets, income statements, cash flow statements, and supporting schedules to identify trends, risks, and mitigating factors.
• Conduct thorough collateral reviews across commercial real estate asset classes (multifamily, office, retail, industrial, hospitality, mixed-use, and special-purpose properties).
• Analyze property operating statements, rent rolls, leasing trends, occupancy levels, and historical operating performance.
• Evaluate property cash flows and determine stabilized Net Operating Income, Debt Service Coverage Ratios, and valuation metrics.
• Review third-party reports such as appraisals, environmental assessments, engineering/property condition reports, market studies, flood determinations, and title reports.
• Assess market fundamentals, economic trends, competitive positioning, and property-specific risks impacting collateral performance.
• Integrate borrower, guarantor, collateral, and market analysis to form an independent credit opinion.
• Identify key credit strengths, weaknesses, risks, and mitigants associated with lending transactions.
• Prepare detailed, well-supported credit memoranda summarizing financial analysis, collateral evaluation, market conditions, risk assessments, and lending recommendations.
• Ensure underwriting analysis complies with internal credit policies, regulatory requirements, and risk management standards.
• Partner with relationship managers, credit officers, portfolio managers, legal teams, and other stakeholders throughout the credit approval process.
• Perform ongoing monitoring of assigned loan portfolios to ensure credit quality and policy compliance.
• Track and review financial covenant compliance, reporting requirements, borrowing base submissions, and other post-closing obligations.
• Complete annual reviews, periodic risk assessments, and portfolio surveillance activities.
• Evaluate loan modification requests, renewals, extension requests, and other portfolio management activities.
• Monitor market conditions and borrower performance to identify emerging risks and recommend appropriate actions.
• Ensure timely completion of assigned portfolio management and credit administration responsibilities.

What you'll need

• 7+ years of Wealth Underwriting experience, or equivalent demonstrated through a combination of work experience, training, military experience, or education.

Nice to have

• Experience as a Commercial Real Estate Lending Underwriter with strong expertise in borrower and collateral underwriting.
• Skill in analyzing personal and business financial statements, interpreting U.S. tax returns, evaluating entity structures, and determining global cash flows and key financial ratios.
• In-depth knowledge of CRE collateral analysis, including property performance, cash flow assessment, market risk evaluation, and review of third-party reports.

Details

• Location: Bengaluru, India.
• Posting end date: 1 Nov 2026.