6 Collateral Analysis Jobs

Northeast Chit Funds is growing rapidly and is thrilled to announce an exciting opportunity for a Junior Risk Manager to join our dynamic team. As we scale our operations, this role will be instrumental in enhancing our credit and risk evaluation processes, ensuring informed and responsible decision-making aligned with our strategic goals. In this key position, you will support the credit underwriting process by conducting detailed financial analyses, carrying out thorough due diligence, and assessing customer risk profiles. Your analytical insights will play a critical role in strengthening our risk framework and driving sound, data-informed decisions. Responsibilities - Conduct credit appraisals of individuals and businesses. - Analyse financial documents such as ITRs, bank statements, and balance sheets. - Assist in background verification and field risk assessments. - Support collateral analysis, documentation checks, and legal verifications. - Maintain accurate records of credit proposals, risk observations, and follow-ups. - Coordinate with internal departments (sales, admin, legal) for approvals and clarifications. - Contribute to monthly MIS and risk monitoring dashboards. Qualifications - 3 years of experience in risk/credit analysis, preferably in NBFC, Fintech, or Financial Services. - Strong analytical and financial interpretation skills. - Proficiency in MS Excel, Word, and financial documentation analysis. - Good communication and coordination skills. - Knowledge of collateral documents, lien, and legal verifications is an advantage. Salary & Perks Salary: 5-6 LPA Benefits: ESI, Travel Allowance, Incentives, and a clearly defined Career Growth Path.,

As a Non-QM Underwriter, you will be responsible for underwriting and making decisions on Non-QM loans in accordance with all relevant regulations. Your role will involve underwriting various Tiers, including complex loan transactions, while ensuring compliance with company policies and guidelines. It is essential to maintain client SLA expectations by meeting individual Underwriter quality benchmarks and production goals within specified turn times. Your duties will include analyzing income calculations, debt-to-income ratios, asset statements, financial statements, as well as personal and business income tax returns to make informed decisions. You will also assess appraisal reports, collateral offered in loan applications, and title opinions to determine acceptability and appropriate loan-to-value ratios for decision-making. Documenting and effectively communicating reasons for loan approval or denial will be a crucial part of your responsibilities. To excel in this role, you are required to have a graduation degree and a minimum of 2 years of mortgage underwriting experience, including front-end and live underwriting. Prior supervisory skills would be an added advantage. Strong written and verbal communication skills are essential, along with proficiency in reading, writing, and understanding the English language. You should be able to interpret borrower documentation, company policies, procedures, guidelines, reports, and legal documents, as well as respond to inquiries or complaints from clients effectively. Additionally, you should demonstrate initiative, drive for results, and the ability to work independently. Problem-solving, decision-making, and quality acumen are key skills required for this role. You must have the capability to analyze data and reports to provide accurate assessments while working with minimal supervision. Proficiency in Microsoft Excel, Word, and Outlook, along with strong organizational skills, will contribute to your success in this position.,

About this role: Wells Fargo is seeking a Senior Analytics Assistant for electronic reporting activities under collateral monitoring. Electronic reporting involves preparing client files and analyzing the results for each collateral reporting update during the credit life cycle to correctly identify and evaluate the ineligible collateral. In this role, you will: Support performance of less experienced staff and overall effectiveness of team Proactively provide feedback and present ideas for improving or implementing processes and tools Perform complex administrative transactional and operational support tasks Update project logs Participate in research, tracking, and data gathering related to projects Provide subject matter expertise and interpretation of procedures to less experienced staff Interact with team, functional area, internal peers outside work group, and manager on planning and performing analysis, trends, and presentation design Required Qualifications: 4+ years of Analytics and Reporting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Experience in Analytics and Reporting, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Advanced level Excel skills, good command ofcomplex & nested formulas.Knowledge of VBA will be an advantage. Experience in exploratory data analysis, data validation & cleaning, data visualization & outlieridentification, reporting & insights will be preferred. Fairunderstanding of the credit life cycle, line of credit & collaterals and their types. Review and prepare collateral reporting files received from the clients for processing& inventory various reports. Perform additional file format due diligenceby reviewing various file types & troubleshooting various file formats. Partner with multiple teams to resolve any issues that arise during each reporting cycle (technical processing team members, collateral analysts, relationship managers, field examiners, and in some situations, clients) Perform trend analysis and exception report review, root cause analysis to identify the probable causesforvariation in total gross collateral on the Ineligibles Schedule. Seek second level review as needed. Identify the key fields and their source and check the source files to see if the information is logical and being picked up correctly by the processing tool. Create final ineligibles schedule against the clients collateral reporting files. Working Hours: 17:30PM to 02:30 AM (Adjustable by 1 hour to accommodate daylight saving)

Senior Secured Lending Underwriter / Shailaja About the Role The work involves performing Financial Analysis, and underlying risk activities for ABL portfolio. Works independently on moderate to complex issues and projects. Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios, trigger monitoring, valuation, trend cards etc. 5+ years of experience in one or a combination of the following: End to end credit lending services for commercial loans, credit underwriting specialized senior secured financing, accounts receivable financing and purchase order financing to companies and use qualitative and quantitative metrics to arrive at Rating of Borrowers Responsibilities Manage a portfolio of Secured Lending clients, which includes regular monitoring with trend analysis, covenant calculation, risk rating, facility renewals, financial analysis credit write-up, industry analysis, company background, collateral analysis etc. Monitor timely receipt of customer documents like financials/ compliance certificate etc and review the same for accuracy. Track and monitor performance of assigned portfolio and take necessary actions/decisions for any improvement or deterioration in financial performance. Contribute to automation efforts aimed at improving efficiency and process improvements. Maintain regular connects with the domestic team. Build in-depth knowledge of the process and become an SME for process-related activities. Collaborate and consult with Secured Lending Underwriting peers, colleagues, and middle level managers to resolve issues and achieve goals. Maintain reporting requirements for the team. Quick learner and self-motivated Required Qualifications: MBA (Finance), CFA or Chartered Accountant 5-7 years of Secured Lending Underwriting experience/ credit rating Strong verbal and written Communication skills 5+ years of experience in one or a combination of the following:

About this role: Wells Fargo is seeking a Secured Lending Underwriter. In this role, you will: Participate in the partnership with the portfolio team on all aspects of portfolio business transaction process. Perform financial analysis, calculate financial covenants, and prepare financing memorandum within Secured Lending Underwriting. Review basic issues, policies, or procedures where answers can quickly be obtained related to low to medium risk and deliverables. Receive direction from Secured Lending Underwriting supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements. Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals. Required Qualifications: 2+ years of Secured Lending Underwriting experience, or equivalent experience demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: The work involves performing Financial Analysis, and underlying risk activities for Asset Based Lending Finance portfolio. Works independently on moderately to complex issues and projects. Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios, trigger monitoring, valuation, trend cards, making suitable amends to the pricing of loans, based on financial performance and other parameters , as per credit policy. MBA (Finance), CFA or Chartered Accountant 2+ years of Secured Lending Underwriting experience/ credit rating 2+ years of experience in one or a combination of the following: End to end credit lending services for commercial loans, credit underwriting specialized senior secured financing, accounts receivable financing and purchase order financing to companies and use qualitative and quantitative metrics to arrive at Rating of Borrowers and continuous portfolio monitoring and related tasks. Strong verbal and written Communication skills Job Expectations: Manage a portfolio of Secured Lending clients, which includes regular monitoring with trend analysis, covenant calculation, risk rating, facility renewals, financial analysis credit write-up, industry analysis, company background, collateral analysis etc. Monitor timely receipt of customer documents like financials/ compliance certificate etc. and review the same for accuracy. Track and monitor performance of assigned portfolio and take necessary actions/decisions for any improvement or deterioration in financial performance. Strong stakeholder management Build in-depth knowledge of the process and become an SME for process-related activities. Maintain and update reporting requirements as necessary. Quick learner and self-motivated Should be able to analyze Companys management and equity sponsors strength & weaknesses.

Band: B1 - Analyst Shift Timings-: 2:00 PM - 11:30 PM IST Job Summary We are seeking a highly motivated Investment Management Analyst to join our Asset Based Finance (ABF) team within the Structured Finance Group. As an integral part of our team, you will gain exposure to a diverse portfolio of Asset-Backed Securities (ABS) investments and play a pivotal role in underwriting, monitoring, and managing these deals for our institutional clients. Responsibilities: Deal Management: Collaborate closely with ABF Deal Analysts to assist in investment management and monitoring activities for structured finance deals. IC Memos: Support the deal team in updating Investment Committee approval memos, ensuring a comprehensive understanding of each deal's intricacies. Term sheets: Analyze closing documents such as credit agreements, indentures and note purchase agreements and set up processes for analyzing and monitoring the deal post-closing. Due Diligence: Perform pre-deal due diligence and stratify the collateral pool using Python to assess risk and investment potential. Surveillance and Reporting: Update surveillance data and create one-pagers for presentations to senior management for both Public and Private deals. Cashflow Modeling: Develop and update cashflow models for structured finance deals. Monitor key metrics to assess risk and expected returns. Conduct stress case scenarios and analyze their impact on repayments. Collateral Analysis: Create and update asset-level one-pagers for collateral analysis, assisting in underwriting and post-deal monitoring. Asset Valuation: Track and review revaluation events for underlying assets, ensuring accurate pricing of collateral. Sector-Level Analysis: Update monthly sector-level presentations and pro-actively highlight potential issues to senior management. Covenant Monitoring: Continuously monitor covenants and key performance indicators (KPIs) at the deal level, thereby assist the Business Analytics team to run portfolio-level analysis. Ad Hoc Projects: Undertake multiple ad hoc projects as requested by senior management to assess the impact of macro events. Client request/ Compliances: Ensure compliance with investor requirements from an investment management perspective. Data and Tools: Leverage advanced tools such as Intex and Python for in-depth analysis. Utilize Tableau, Street Diligence and Sigma for enhanced data visualization. Skills Required: MBA in Finance, CFA, or CA qualification. Experience in analyzing Asset Backed Finance deal structures and collateral is a plus. Strong analytical and quantitative skills. Proficiency in Microsoft Office tools (MS Excel, MS PowerPoint, and MS Word). Ability to summarize complex information succinctly and efficiently. Excellent written and verbal communication skills. Ability to manage multiple projects in a fast-paced environment. Detail-oriented with a commitment to accuracy and precision. Ability to work independently and collaboratively while demonstrating high sense of ownership and accountability. Thorough understanding of basic financial concepts and the ability to critically implement them. Deliver / No. / Performance Parameter / Measure - 1. Process - No. of cases resolved per day, compliance to process and quality standards, meeting process level SLAs, Pulse score, Customer feedback. 2. Self- Management - Productivity, efficiency, absenteeism, Training Hours, No of technical training completed