Evalueserve - Manager/Senior Manager - Lending Services (6-14 yrs)
- Research Lead will join the Lending Services (Corporate and commercial banking) team at Evalueserve, supporting bankers in critical lending/credit processes across end-to-end lending journey such as:
- Financials spreading (PL, BS and CF) on excel based model or lending platform along with key credit metrics calculation
- Performing PD/LGD spreading on risk rating platforms (Quantitative & Qualitative Parameters)
- Calculating covenants in line with facility agreements and providing detailed rationale for covenant Met/Breach results
- Performing Annual/Quarterly or Half yearly reviews and populating credit application templates.
Inclusions are:
- Business Overview,
- SWOT analysis,
- Financial Analysis (Historical and Forecast) (Operating, Leverage & Liquidity ratios),
- Covenant performance,
- PD/LGD analysis,
- Verifying/Calculating compliance against bank transaction guidelines (DSC, FCCR, LTV, Interest cover, leverage etc.) or any other sector-based guidelines,
- Collateral analysis,
- Analyze key points highlighted by rating agencies, reasons for rating changes etc. (Applicable for corporate connections),
- Providing Ad-hoc support to credit managers,
- Mentoring and training of new joiners and acting as a subject matter expert for SBA/BA team members.,
- Handling 2-4 FTE's and managing their performance and development,
- Handling Client calls and periodic communication,
- Providing project management support to group manager and handling project level tasks for e.g., Delivery, Dashboards, QC's, Trainings, Client management etc.
Skill Set Required:
- Strong Accounting and financial skills,
- Understanding and experience of credit review or underwriting role is desirable,
- Experience on lending platforms or credit search platforms like Credit lens, nCino, Lexis/Nexis, Experian would be preferable,
- Excellent interpersonal and ability to build strong team culture,
- Ability to ensure that tasks of team members are completed in a timely manner,
- Ability to practice attentive and active listening skills,
- Challenging current thinking by implementing new ways of working.
Education and experience:
- Bachelor's/Master's degree with a major in finance, economics, accounting or from a reputed institute with 6 year- 14 years' experience in the similar profile.
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