Commercial Underwriting Role - Investment Banking

Location: Bangalore/ Hyd

Level: AVP/ VP

Exp: 14+ years

Shift: 10:30 AM - 7:30 PM/ 1:30-10:30 PM

This team involves performing the underwriting activities to support lifecycle of Portfolio Monitoring, New Money, Renewals / modification and any administrative for Commercial loans. This includes performing periodic reviews, reviewing customer financial, compliance and collateral information, performing credit and financial analysis for the relationship.

Process Responsibilities

- Evaluate financial performance of borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the time period. This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity.

- Review loan documents and summarize salient facts of the loan and ongoing covenants (both financial and non-financial) to be maintained by the borrower.

- Perform market research of real estate using various third party applications and compare performance of subject property against market data to draw conclusion of overall performance.

- Review third party documents, such as appraisal, site inspection report and property condition assessment report to infer overall performance of the property and identify significant factors which may impact asset.

- Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees.