Banking Advisory Associate

 About The Role  

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting

Designation: Banking Advisory Associate

Qualifications:MCom/Master of Business Administration

Years of Experience:1 to 3 years

What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.Com.Bkg- Credit UW stands for Commercial Banking Credit Underwriting. It involves evaluating the creditworthiness of businesses applying for loans or credit. This process includes analyzing financial statements, assessing risk, and determining the terms of the credit. The goal is to ensure that the bank makes sound lending decisions while minimizing risk. Credit underwriters play a crucial role in maintaining the financial health of the bank. The Credit Lending processes includes initial set up of loan, detailed analysis of financials, setting covenants, analyzing the accounts receivable for borrowing base calculation for working capital line of credit, drafting a detailed credit memoranda by a detailed analysis of 5 Cs of Credit - Character, Capacity, Collateral, Capital and Current Market Conditions.Conduct detailed research on the financial history of businesses to determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans.

What are we looking for?

Lead the team and provide subject matter expertise support for understanding Underwriting guidelines and utilizing the underlying financial statements to complete the underwriting

Applying relevant accounting standards for fair and rigorous credit assessment

Undertaking ad-hoc reporting / analysis requirements

Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process

Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures

Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics

Accounting & Financial Reporting Standards

Financial Analysis

Underwriting

Banking

Financial Services

Written and verbal communication

Experience/exposure of US commercial banking operations

Good team player who is dynamic, result- oriented with strong work ethic

Roles and Responsibilities:

In this role you are required to solve routine problems, largely through precedent and referral to general guidelines

Your expected interactions are within your own team and direct supervisor

You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments

The decisions that you make would impact your own work

You will be an individual contributor as a part of a team, with a predetermined, focused scope of work

Please note that this role may require you to work in rotational shifts
 Qualification MCom,Master of Business Administration