Senior Wealth Underwriter

Overview

Senior Wealth Underwriter role focused on Commercial Real Estate Lending underwriting, covering borrower and collateral underwriting, credit memoranda preparation, and portfolio monitoring for high-net-worth loan relationships.

What you'll do

• Review, analyze and evaluate borrower financial data for moderately complex high-net-worth loans to determine creditworthiness.
• Analyze personal and business financial statements and interpret U.S. tax returns, evaluating entity structures and determining global cash flows and key financial ratios.
• Conduct collateral reviews across multifamily, office, retail, industrial, hospitality, mixed-use and special-purpose properties, including property operating statements, rent rolls, leasing trends and occupancy.
• Evaluate property cash flows and determine stabilized Net Operating Income (NOI), Debt Service Coverage Ratios (DSCR) and valuation metrics.
• Review third-party reports such as appraisals, environmental assessments, engineering reports, market studies, flood determinations and title reports.
• Prepare comprehensive credit memoranda and provide well-supported lending recommendations.
• Perform portfolio monitoring, covenant compliance tracking, annual reviews and handling of loan modification, renewal and servicing requests for assigned relationships.
• Monitor the existing portfolio to identify issues requiring in-depth evaluation and present recommendations for resolving them.
• Collaborate with peers, colleagues and mid-level managers, and serve as a mentor for lower-level staff.
• Provide input to leaders on credit risk management decisions.

What you'll need

• 7+ years of Wealth Underwriting experience, or equivalent demonstrated through work experience, training, military experience or education.
• 5+ years of experience in Commercial Real Estate Collateral Underwriting.
• 5+ years of experience in Credit Underwriting and Risk Assessment.
• 4+ years of experience evaluating property cash flows and determining stabilized NOI, DSCR and valuation metrics.

Nice to have

• Experience performing comprehensive credit analysis of individuals, trusts, partnerships, LLCs, corporations and other borrowing entities.
• Experience analyzing Personal Financial Statements and business financial statements to assess borrower strength, liquidity, leverage and repayment capacity.
• Experience reviewing and interpreting U.S. tax returns, including Forms 1040, 1065, 1120/1120S and trust returns.
• Experience evaluating organizational documents, ownership structures, guarantor relationships and complex entity structures.
• Experience calculating debt service coverage, liquidity, leverage, debt-to-income and net worth ratios and performing global cash flow analysis.

Details

• Location: Bengaluru, India.
• Posting end date: 1 Nov 2026; the posting may come down early due to volume of applicants.