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Job Location: Pune
Location: Gurgaon/Pune
KEY ROLES & RESPONSIBILITIES
- The role comprises working on comprehensive credit reviews of exposures in the commercial real estate (CRE) and commercial and industrial (C&I) loans. Areas of work involve
- Sourcing information such as updated financial statements, rent rolls, valuation reports, asset summary report and debt structure summary
- Spreading financials in financial spreading tool such as Sageworks, ACTICO, etc.
- Conducting cash flow analysis, credit analysis of CRE and C&I loans to evaluate borrower’s loan repayment ability and preparing detailed annual and quarterly credit memos
- Covenant monitoring, rent-roll analysis and property valuation.
- Proactively communicating with loan officers, brokers, and clients during underwriting and loan review process.
- Assisting in the active management of the bank’s portfolio of criticised and classified loans.
- Supporting in portfolio monitoring activities pertaining to banks portfolio of criticised and classified loans.
- Establishing and maintaining consistent standards and processes in credit analysis through interaction with risk management team of the bank.
- Training and mentoring junior colleagues on credit risk assessment of CRE loans.
- Regular interaction with client to discuss reports as well as workflow
- Supporting the client with any ad-hoc research requests including portfolio analysis
- Engaging with the client on a regular basis and suggest innovative ways to enhance client engagement.
FUNCTIONAL & BEHAVIOURAL KNOWLEDGE
- Experience in financial spreading/ surveillance/ portfolio monitoring and credit analysis
- Good understanding of C&I loan and CRE loan risk factors, key credit metrics and capital ratios used in credit analysis.
- Good understanding of CRE Tools like CBRE, CoStar, RCA, REIS, Moodys CMM and knowledge of Intex, Bloomberg a plus
PROBLEM SOLVING
- Identifies and resolves complex research issues and team problems
- Assists in solving complex problems related to financial spreading
CLIENT MANAGEMENT / STAKEHOLDER MANAGEMENT
- Interacting with overseas client on regular basis to understand their expectations
- Communicates with senior management and interacts with other related teams
MINIMUM & PREFERRED EDUCATION
- MBA or CA or Masters degree preferred; CFA certification is a plus
MINIMUM & PREFERRED EXPERIENCE / SKILLS
- 5-8 years of work experience preferable in CRE credit risk/CRE and/or C&I loan underwriting
- Sound understanding of the RMBS/CMBS/CLO space with experience in financial modelling/ surveillance/ portfolio monitoring and credit analysis.
- Good understanding of MS office, Sageworks, ACTICO and VBA
- Project management skills and ability to set up and streamline operational processes
- High level of attention to detail and accuracy
- Good interpersonal skills
- Excellent analytical abilities, team leading & mentoring skills
- Effective time management, written and oral communication skills
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