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Bengaluru, KA
Job Code:
  • IT
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Job Details

We are looking for Credit Underwriting, Credit Risk Business Analyst with experience in Commercial Lending.We are building a innovate commercial lending platform and our software platform is responsible for reviewing and analysing credit applications to approve or decline the requests based upon pre-established credit policies and procedures. Our software platform should enable growth of banks credit portfolio while ensuring its health, balancing business growth and risk management, both in the underwriting process and through credit monitoring and reports.We are seeking an experienced, bright and motivated individual who can immediately begin to contribute to the Credit Analytics function of software platform. This role will focus on building, managing, and publishing Credit Risk and Portfolio Monitoring tools. Develop, recommend, and implement credit risk standards for products or assets the banks finances or underwrites.Assess and approve credit limits and monitor credit exposure for routine and complex transactions. Apply credit management models to current assets or underwritten products to recommend shifts in collateral or reserves to mitigate credit risks. Will provide expertise in the following functional areas for the technology teams but are not limited to Analyse applicant, credit, and transaction variables to support growth and new product development Underwriting new credit requests Pre-Loan Stress Testing In-Depth Ratio Analysis Actual & Projected Financial statements Risk Rating (Setup your own criteria) Collateral Analysis Multi-Entity Consolidations Global Cash Flow Analysis Individual Business Line Ratio Analysis Industry Comparisons Covenant Compliances.Support different transactions that accommodate the customers need and are acceptable to the bank Identifies, outlines and mitigates risks associated with potential lending opportunitiesUnderwrites the transaction according to terms agreed to by customer Gathers required information, performs the required analysis and produces the credit presentation in accordance with guidelines and policyProcesses applications for Account Assumption and communicates decision to applicant. Deliver analysis to support risk-based pricing analysis for products by integrating risk model information with valuation model and market conditions to drive positive selection and appropriate risk/return Create and manage tools that will illuminate the characteristics and trends in the loan portfolio Work closely with the technology team to analyse the data environment to support new data sources, model driven decision-making and underwriting, risk-based pricing and new products Conduct credit analyses using standard and more advanced methods and tools of aggregated data provided by various sources.Examine risk elements of proposed deal, purchase, or existing relationship with a client and make recommendations to regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable. Create or assign credit scores to aggregated data from multiple sources based on the policies Maintaining data integrity of proprietary credit rating or underwriting applications and assists business-end users in their systems enhancements.Research value frauds and patterns, initiate and contribute to new tools for detecting value-related fraud. Make recommendations for new policies to minimize fraud and control other risks more effectively.May make recommendations on pricing of products or assigning of risk levels based on analysis of credit risk of loans, transactions, or proposed contract.Required Skills Should possess a Bachelors Degree in Business, Finance, Economics, Mathematics, Statistics, Physics or a comparable field (or possess equivalent experience)Have 5+years of experience working in Loan Origination or Credit Underwriting, Credit Risk Management systems. Have 5+years of work experience working in Commercial lending industry.
Degree: MBA/ PGDM

Additional Degree: BA (Arts) | B.Com. (Commerce) | B.Pharm. (Pharmacy) | B.Plan. (Planning) | B.Sc. (Science) | BBA/ BBM/ BBS | BCA (Computer Application) | Diploma-Other Diploma | B.Ed. (Education) | BHM (Hotel Management)

Experience: 7-12


Claims/Collection Mgmt | Project/Structured Finance | Risk/Credit/Economic Analyst | Underwriter
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