Senior Analyst - Credit Underwriting

Overview

Senior Analyst in Credit Underwriting on the commercial cash management product portfolio, responsible for underwriting, monitoring and mitigating credit risk for new and existing clients.

What you'll do

• Independently conduct and/or assist with underwriting due diligence, structuring and documenting of credit recommendations on new and existing case requests for standard credits.
• Independently monitor the assigned cash management product portfolio's credit quality to ensure proactive and timely risk mitigation action when necessary.
• Prepare thorough and clearly articulated credit presentations with thoughtful and appropriate recommendations following established credit policies and procedures.
• Effectively communicate and collaborate with relationship managers, underwriting managers, and senior credit officers.
• Ensure compliance with relevant banking regulations including but not limited to reg B, reg O, reg W and other fair lending regulations.

What you'll need

• 6+ years of direct relevant work experience in a bank, NBFC, or financial services firm.
• Hands-on experience in credit underwriting.
• Strong knowledge of commercial lending products and financial statement analysis.
• Working knowledge of commercial financial statement analysis, portfolio management, and banking cash management products.
• Knowledge and understanding of relevant banking regulations including but not limited to reg B, reg O, reg W, ECOA and other fair lending regulations.
• Bachelor's degree in commerce or MBA (Finance).
• High level of ownership and self-drive towards proactive portfolio risk management.
• Excellent analytical, communication, and stakeholder management skills.
• Ability to work independently while being an active team contributor.
• Efficient and well organized, able to work under tight deadlines.
• Outstanding attention to detail, accuracy, and ability to multitask.
• Strong business writing skills.
• Ability to manage and track numerous cases at a time.
• Ability to learn and quickly digest new information in a continuously changing, fast-paced environment.

Nice to have

• Chartered Accountant, CFA, or equivalent qualifications.

Details

• Location: Bengaluru, Karnataka, India.
• Role type: Hybrid.
• Career level: P2.
• Shift timings: flexibility with shifts from 2 pm to 11 pm.
• Reports to the Credit Underwriting Manager.