Commercial Lending

Role & responsibilities

Sr.Analysts will join the Lending Services (Corporate and commercial banking) team at Evalueserve, supporting bankers in critical lending/credit processes across end to end lending • journey such as follows:

• Financials spreading (PL, BS and CF) on excel based model or lending platform along with key credit metrics calculation
• Performing PD/LGD spreading on risk rating platforms (Quantitative & Qualitative Parameters)
• Calculating covenants in line with facility agreements and providing detailed rationale for covenant met/Breach results
• Performing Annual/Quarterly or Half yearly reviews small or medium connections:
• Business Overview
• Financial Analysis (Historical and Forecast) (Operating, Leverage & Liquidity ratios)
• Covenant performance
• PD/LGD analysis
• Verifying/Calculating compliance against bank transaction guidelines (DSC, FCCR, LTV, • Interest cover, leverage etc.) or any other sector-based guideline

Preferred candidate profile

• Strong Accounting and financial skills
• Understanding and experience of credit review or underwriting role is desirable
• Experience on lending platforms or credit search platforms like Credit lens, nCino, Lexis/Nexis, Experian would be preferable
• Excellent interpersonal and ability to build strong team culture
• Ability to ensure that tasks of team members are completed in a timely manner
• Ability to practice attentive and active listening skills
• Challenging current thinking by implementing new ways of working Strong Accounting and financial skills
• Understanding and experience of credit review or underwriting role is Preferable
• Experience on lending platforms or credit search platforms like Credit lens, nCino, Lexis/Nexis, Experian would be preferable
• Eye for details and ability to identify and solve issues effectively on time
• Good MS Office Skills
• Excellent Communication and interpersonal skills
• Ability to ensure that tasks within areas of responsibility are completed in a timely manner
• Ability to practice attentive and active listening skills
• Ability to identify pro-active ways to contribute to firms goals & mission
• Challenging current thinking by implementing new ways of working
• Bachelor's/Masters degree with a major in finance, economics, accounting or from a reputed institute with 3+ years experience in the similar profile .