Solytics Partners - Credit Underwriter

Location: Pune or Bangalore (work from home till office opens)

Experience: 6-10 Years

Education: Qualification Masters and bachelor's in finance/accounting

Language: Fluency in English - verbal as well as written

Role Type: Contract / Permanent

Job Description: Solytics is seeking strong credit underwriter with expertise in performing credit underwriting, evaluating/developing credit policies and leading the team of junior credit underwriters.

Additionally candidate will also be taking part in various organization activities including internal project/team management, Client management, RFPs, PoCs, thought leadership articles and preparation of marketing collaterals and client meetings.

Key Responsibilities:

- Conducts and/or supervise adhoc exams/tests for the assigned component of the plan. May also be responsible for conducting the reviews of the corporation's various credit portfolios, ensuring risk rating integrity, portfolio quality, completeness of credit documentation, credit policy adequacy and adherence to internal policies and regulatory guidelines/requirements. Recommends change to management with written analysis of findings.

- Responsible for evaluating adherence and effectiveness of the AIRB approach for assigned reviews in the plan.

- Responsible for overseeing credit review's continuous monitoring process, which monitors the bank's lending, counterparty and investment portfolios at least quarterly (or more frequently). Required to complete and submit a formal report to the head of risk control.

- Participate in developing the business unit strategic plan, and sets goals and priorities based on the directions set for the team. Follows through to ensure objectives are met.

- Provides leadership and guidance to the team members, fostering an environment which encourages employees participation, teamwork, and communication. Responsible for completing the quality control function in the credit review process.

- May counsel lenders and business unit credit officers on specific loan situations and calls problem loans to their attention.

- Conducts reviews of credit portfolios and counterparty risk exposures to ensure the quality of credits, accurate and thorough documentation, compliance with internal credit policies/procedures, and federal/state banking laws, rules and regulations.

- Frequently interacts with partners in credit and banking and with senior management at affiliate offices to review audit and examination results.

- Keep abreast of economic, political, and legislative factors that could affect the quality of loan and counterparty/investment portfolios.

- Advises senior credit and loan personnel on the company's overall credit policy; noting significant trends and recommending policy changes if necessary.

- Uses existing procedures to solve standard problems; analyses information and standard practices to make judgements.

- Works with standardized procedures and practices to achieve objectives and meet deadlines.

- Candidate will also be taking part in various organization activities including internal project/team management, Client management, RFPs, PoCs, thought leadership articles and preparation of marketing collaterals and client meetings.

Key Skills:

- Minimum 5 years of experience credit lending and/or capital market credit reviews including collateral audit and loan documentation reviews, counterparty credit review experience etc.

- Experience in reviewing, improving and designing new credit policies.

- BASEL II AIRB implementation experience is a plus,

- Sound knowledge of global and US financial regulations with affect credit lending. Also, expertise in analysing economic, political, and legislative factors that affects the quality of loan and counterparty/investment portfolios.

- Strong organizational, communication (verbal and written), team and project management and stake holder management skills.

- Effective influencing and negotiating skills in an environment where this role may not directly control resources.

- Good analytical and numerical skills.

- Willingness and zeal to walk an extra mile to achieve client delight