A Commercial Real Estate (CRE) Underwriter plays a crucial role in underwriting commercial portfolios at an advanced level of complexity. You will provide guidance on structuring, servicing, and analysis for new and renewal credits. It is your responsibility to identify, gather, and review financial information to determine borrower risk ratings and appropriate loan structuring. You will assess and communicate risks to assist in department risk mitigation strategies, covering products such as lines of credit, term loans, real estate loans, and syndicated loans. Your key responsibilities include underwriting commercial credit actions in compliance with applicable regulations, procedures, and guidelines. This involves reviewing financial statements, communicating with clients or prospects, and conducting analysis to recommend borrower risk ratings and suitable loan structuring. You will ensure all involved parties are kept updated on underwriting progress and outcomes. In terms of analysis, you will conduct thorough due diligence by reviewing financial statements, property appraisals, rent rolls, and market studies. Utilizing various financial models and software, you will assess cash flow, debt service coverage ratios, loan-to-value ratios, and other key financial metrics. Conducting cash flow analysis, sensitivity testing, and calculating DSCR/LTV/Debt Yield are also part of your responsibilities. You should be well-versed in real estate valuation methods such as Gross rent multiplier (GRM), Value per door, and Cost per rentable square foot. Risk management is an essential aspect of your role, requiring you to evaluate borrower financials, guarantor liquidity, lease terms, and market conditions using third-party reports like appraisals and environmental assessments. Your duties also include reviewing industry information, key risks, mitigants, and collateral to form a general business overview of the borrower. You will collaborate closely with Bank associates and partners to resolve risk issues, communicating review schedules and potential changes in the commercial portfolio. Moreover, you will analyze loan agreements, covenants, and securitization documents for CMBS deals to ensure compliance. Preparation of detailed credit memos and underwriting reports that summarize findings and provide recommendations for credit approval or denial is part of your responsibilities. It is crucial to ensure compliance with internal policies, regulatory guidelines, and industry standards throughout the underwriting process. Building and maintaining strong relationships with clients, industry professionals, and internal teams is essential. You will work closely with loan officers, brokers, and clients to gather necessary information and address concerns during the underwriting process. Providing exceptional customer service through clear and effective communication with all stakeholders is key to facilitating smooth transactions. To qualify for this role, you should hold a Bachelor's or Master's degree in commerce, Finance & Accounting, along with a minimum of 2 to 4 years of relevant experience in CRE underwriting. The designation of a Team Leader is mandatory for this position. If you believe you have the passion for this role, you can reach out via email at jinal@careerguideline.net or by phone at 7758825565.,

The position of Quality Analyst requires a minimum of 1 year of International BPO Experience, with the designation being on paper. The ideal candidate should have experience in voice or blended Line of Business (LOB) operations. The role necessitates flexibility for 24X7 shifts and demands excellent communication skills. The specified budget is 5.6 lacs or a hike of 20%-25%, whichever is lower. Immediate joiners who can commence work within a week are preferred. It is crucial that all stated experience is documented and not based on acting. Interested individuals may apply by contacting the following: Email: mamta@careerguideline.com Contact Number: 7304756267 We appreciate your interest in joining our team. Thank you and Regards, HR Mamta,

As a Team Leader in Collections with a solid background in call center operations, you will have the exciting opportunity to lead a high-performing team and drive efficiency and productivity in Thane. You will play a critical role in ensuring that team goals align with the business strategy by monitoring and reviewing daily productivity. Additionally, you will be responsible for publishing productivity reports, pending reports, roster, out-of-TAT cases, allocation reports, and providing necessary data as required. Your role will also involve managing collections forecasting, resource planning, scheduling, shift bidding, and recruitment planning to optimize resource allocation. Leading your team through ongoing change management to maximize business performance is another key aspect of your responsibilities. Your ability to provide business analysis, recommendations, and workforce consultation will be crucial in improving operational efficiency. Collaboration with the National Team to execute strategies and ensure an optimal client experience will be an essential part of your role. You will need to ensure a first-class customer experience while mitigating operational, financial, and reputational risks. Adaptability to working in a 24x7 rotational shift environment is essential to ensure seamless operations across different time zones. To excel in this role, you should have a minimum of 2 years of call center/collections management experience, a strong understanding of inbound & outbound call environments, collections processes, and workforce management. Your analytical skills will be put to the test as you identify business trends, analyze key performance indicators (KPIs), and drive improvements. Your leadership and team management abilities, coupled with excellent collaboration and communication skills, will be instrumental in building relationships with cross-functional teams and stakeholders. If you are looking for a challenging yet rewarding opportunity, this position offers a competitive salary, growth opportunities, and the chance to be part of a high-performing team where you can lead, innovate, and make a significant impact.,