2193 Credit Analysis Jobs - Page 12

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Greetings from Rivera Manpower services, Currently we are hiring for leading MNC in bangalore. Please go through the job description properly and contact on the number given below for more information and to book your slots. NOTE: IMMEDIATE JOINERS ONLY Contact On and Book the Slots: JOY 7996004799 Email ID: rivera.joy1210@gmail.com (WhatsApp the CV if number is busy) *NOTE: Please call during office hours monday to friday 9:30 am to 6:30 pm and on satudary 9:30 am to 2pm. Job Summary : The Mortgage Loan Processor will be responsible for performing a variety of loan documentation duties on complex loan packages and ensure compliance with policies and procedures for loan products. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions: Verify loan quality as per US requirements and lender guidelines and set up the loan for UW Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm Review and analyze all necessary documentation, including borrower docs and third-party docs Interpret policies while analyzing applicant information, property and documentation Comprehensive understanding of credit underwriting guidelines. Requirements: This role requires a wide variety of strengths and capabilities, including: Minimum 1 year experience in US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines Excellent customer service and written and verbal communication skills Detail oriented and excellent organizational skills Quick learner to keep up with the fast paced mortgage industry Able to prioritize multiple tasks and manage time Problem-solver with strong analytical skills Adheres to directives, procedures, and standards Ability to work in a paperless environment Computer proficiency including Microsoft Office Product Suite Candidates must be available to work outside of normal business hours when necessary Flexible to work in 24/7 process including night shifts and weekends Years of experience needed Minimum 1 Year of experience US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines Preferred candidate profile ~One way cabs ~Incentives Regards' JOY 7996004799 Email ID: rivera.joy1210@gmail.com Senior Consultant Rivera Manpower Services

Job Description: Translator (Telugu, Kannada, Tamil, Marathi, Marwari, Gujarati, and Hindi to English) You should know either 1 or 2 of regional languages and translate it to english Company Name: AbleCredit Location: Bangalore, India Employment Type: Full-time, Work from Office Working Days : Monday to Saturday Salary Range : 2.5 to 3 LPA Company Overview: AbleCredit is an innovative AI-based company specializing in transforming financial services through advanced technology. We are dedicated to enhancing our offerings and expanding our reach by ensuring effective communication across diverse languages. We are currently seeking a skilled Translator to join our dynamic team in Bangalore. Key Responsibilities: Translate written documents and audio files from any of the above reigonal languages (1 or 2) into English, ensuring that the original meaning and tone are accurately conveyed. Review and edit translations for accuracy, grammar, and style. Collaborate with the team to ensure alignment on project goals and quality standards. Conduct research on cultural nuances and context to improve translation quality. Maintain a glossary of terms and phrases specific to projects and AI-related terminology. Meet deadlines consistently while managing multiple translation tasks effectively. Qualifications: Fluency in at least two of the following languages: Both written and spoken. Strong understanding of grammar, syntax, and cultural nuances in both source and target languages. Previous translation experience preferred, especially in a professional setting. Excellent attention to detail and strong organizational skills. Ability to work independently and collaboratively within a team. Familiarity with translation software and tools is a plus. Immediate joiners preferred (within 7 days). What We Offer: A competitive salary package within the range of 2.5 to 3 LPA. Opportunities for professional growth and development within the AI sector. A supportive work environment in the heart of Bangalore. Work-life balance with weekends off. If you are passionate about languages and technology and have the required skills, we would love to hear from you! Please submit your resume and a brief cover letter outlining your experience and interest in this position. Contact Information : hr@ablecredit.com with the subject line "Translator Application". Role: Bilingual / Multilingual Support - Voice / Blended Industry Type: IT Services & Consulting Department: Customer Success, Service & Operations Employment Type: Full Time, Permanent Role Category: Voice / Blended Education UG: Any Graduate PG: Any Postgraduate

Job Description: Translator (Telugu, Kannada, Tamil, Marathi, Marwari, Gujarati, and Hindi to English) You should know either 1 or 2 of regional languages and translate it to english Company Name: AbleCredit Location: Bangalore, India Employment Type: Full-time, Work from Office Working Days : Monday to Saturday Salary Range : 2.5 to 3 LPA Company Overview: AbleCredit is an innovative AI-based company specializing in transforming financial services through advanced technology. We are dedicated to enhancing our offerings and expanding our reach by ensuring effective communication across diverse languages. We are currently seeking a skilled Translator to join our dynamic team in Bangalore. Key Responsibilities: Translate written documents and audio files from any of the above reigonal languages (1 or 2) into English, ensuring that the original meaning and tone are accurately conveyed. Review and edit translations for accuracy, grammar, and style. Collaborate with the team to ensure alignment on project goals and quality standards. Conduct research on cultural nuances and context to improve translation quality. Maintain a glossary of terms and phrases specific to projects and AI-related terminology. Meet deadlines consistently while managing multiple translation tasks effectively. Qualifications: Fluency in at least two of the following languages: Both written and spoken. Strong understanding of grammar, syntax, and cultural nuances in both source and target languages. Previous translation experience preferred, especially in a professional setting. Excellent attention to detail and strong organizational skills. Ability to work independently and collaboratively within a team. Familiarity with translation software and tools is a plus. Immediate joiners preferred (within 7 days). What We Offer: A competitive salary package within the range of 2.5 to 3 LPA. Opportunities for professional growth and development within the AI sector. A supportive work environment in the heart of Bangalore. Work-life balance with weekends off. If you are passionate about languages and technology and have the required skills, we would love to hear from you! Please submit your resume and a brief cover letter outlining your experience and interest in this position. Contact Information : hr@ablecredit.com with the subject line "Translator Application". Role: Bilingual / Multilingual Support - Voice / Blended Industry Type: IT Services & Consulting Department: Customer Success, Service & Operations Employment Type: Full Time, Permanent Role Category: Voice / Blended Education UG: Any Graduate PG: Any Postgraduate

Job Description: Translator (Telugu, Kannada, Tamil, Marathi, Marwari, Gujarati, and Hindi to English) You should know either 1 or 2 of regional languages and translate it to english Company Name: AbleCredit Location: Bangalore, India Employment Type: Full-time, Work from Office Working Days : Monday to Saturday Salary Range : 2.5 to 3 LPA Company Overview: AbleCredit is an innovative AI-based company specializing in transforming financial services through advanced technology. We are dedicated to enhancing our offerings and expanding our reach by ensuring effective communication across diverse languages. We are currently seeking a skilled Translator to join our dynamic team in Bangalore. Key Responsibilities: Translate written documents and audio files from any of the above reigonal languages (1 or 2) into English, ensuring that the original meaning and tone are accurately conveyed. Review and edit translations for accuracy, grammar, and style. Collaborate with the team to ensure alignment on project goals and quality standards. Conduct research on cultural nuances and context to improve translation quality. Maintain a glossary of terms and phrases specific to projects and AI-related terminology. Meet deadlines consistently while managing multiple translation tasks effectively. Qualifications: Fluency in at least two of the following languages: Both written and spoken. Strong understanding of grammar, syntax, and cultural nuances in both source and target languages. Previous translation experience preferred, especially in a professional setting. Excellent attention to detail and strong organizational skills. Ability to work independently and collaboratively within a team. Familiarity with translation software and tools is a plus. Immediate joiners preferred (within 7 days). What We Offer: A competitive salary package within the range of 2.5 to 3 LPA. Opportunities for professional growth and development within the AI sector. A supportive work environment in the heart of Bangalore. Work-life balance with weekends off. If you are passionate about languages and technology and have the required skills, we would love to hear from you! Please submit your resume and a brief cover letter outlining your experience and interest in this position. Contact Information : hr@ablecredit.com with the subject line "Translator Application". Role: Bilingual / Multilingual Support - Voice / Blended Industry Type: IT Services & Consulting Department: Customer Success, Service & Operations Employment Type: Full Time, Permanent Role Category: Voice / Blended Education UG: Any Graduate PG: Any Postgraduate

Job Description: Translator (Telugu, Kannada, Tamil, Marathi, Marwari, Gujarati, and Hindi to English) You should know either 1 or 2 of regional languages and translate it to english Company Name: AbleCredit Location: Bangalore, India Employment Type: Full-time, Work from Office Working Days : Monday to Saturday Salary Range : 2.5 to 3 LPA Company Overview: AbleCredit is an innovative AI-based company specializing in transforming financial services through advanced technology. We are dedicated to enhancing our offerings and expanding our reach by ensuring effective communication across diverse languages. We are currently seeking a skilled Translator to join our dynamic team in Bangalore. Key Responsibilities: Translate written documents and audio files from any of the above reigonal languages (1 or 2) into English, ensuring that the original meaning and tone are accurately conveyed. Review and edit translations for accuracy, grammar, and style. Collaborate with the team to ensure alignment on project goals and quality standards. Conduct research on cultural nuances and context to improve translation quality. Maintain a glossary of terms and phrases specific to projects and AI-related terminology. Meet deadlines consistently while managing multiple translation tasks effectively. Qualifications: Fluency in at least two of the following languages: Both written and spoken. Strong understanding of grammar, syntax, and cultural nuances in both source and target languages. Previous translation experience preferred, especially in a professional setting. Excellent attention to detail and strong organizational skills. Ability to work independently and collaboratively within a team. Familiarity with translation software and tools is a plus. Immediate joiners preferred (within 7 days). What We Offer: A competitive salary package within the range of 2.5 to 3 LPA. Opportunities for professional growth and development within the AI sector. A supportive work environment in the heart of Bangalore. Work-life balance with weekends off. If you are passionate about languages and technology and have the required skills, we would love to hear from you! Please submit your resume and a brief cover letter outlining your experience and interest in this position. Contact Information : hr@ablecredit.com with the subject line "Translator Application". Role: Bilingual / Multilingual Support - Voice / Blended Industry Type: IT Services & Consulting Department: Customer Success, Service & Operations Employment Type: Full Time, Permanent Role Category: Voice / Blended Education UG: Any Graduate PG: Any Postgraduate

Job Description: Translator (Telugu, Kannada, Tamil, Marathi, Marwari, Gujarati, and Hindi to English) You should know either 1 or 2 of regional languages and translate it to english Company Name: AbleCredit Location: Bangalore, India Employment Type: Full-time, Work from Office Working Days : Monday to Saturday Salary Range : 2.5 to 3 LPA Company Overview: AbleCredit is an innovative AI-based company specializing in transforming financial services through advanced technology. We are dedicated to enhancing our offerings and expanding our reach by ensuring effective communication across diverse languages. We are currently seeking a skilled Translator to join our dynamic team in Bangalore. Key Responsibilities: Translate written documents and audio files from any of the above reigonal languages (1 or 2) into English, ensuring that the original meaning and tone are accurately conveyed. Review and edit translations for accuracy, grammar, and style. Collaborate with the team to ensure alignment on project goals and quality standards. Conduct research on cultural nuances and context to improve translation quality. Maintain a glossary of terms and phrases specific to projects and AI-related terminology. Meet deadlines consistently while managing multiple translation tasks effectively. Qualifications: Fluency in at least two of the following languages: Both written and spoken. Strong understanding of grammar, syntax, and cultural nuances in both source and target languages. Previous translation experience preferred, especially in a professional setting. Excellent attention to detail and strong organizational skills. Ability to work independently and collaboratively within a team. Familiarity with translation software and tools is a plus. Immediate joiners preferred (within 7 days). What We Offer: A competitive salary package within the range of 2.5 to 3 LPA. Opportunities for professional growth and development within the AI sector. A supportive work environment in the heart of Bangalore. Work-life balance with weekends off. If you are passionate about languages and technology and have the required skills, we would love to hear from you! Please submit your resume and a brief cover letter outlining your experience and interest in this position. Contact Information : hr@ablecredit.com with the subject line "Translator Application". Role: Bilingual / Multilingual Support - Voice / Blended Industry Type: IT Services & Consulting Department: Customer Success, Service & Operations Employment Type: Full Time, Permanent Role Category: Voice / Blended Education UG: Any Graduate PG: Any Postgraduate

Vice President, Credit Risk I Risk Compliance We re seeking a future team member for the role of Vice President I to join our CREDIT RISK team. This role is located in PUNE, MH HYBRID . In this role, you ll make an impact in the following ways: Creating credit underwriting for the FMU clients, like Central Counterparties (CCPs), Central Securities Depositories (CSDs) and Payment Systems in the portfolio. Tracking and monitoring the credit exposures within the portfolio. Reporting the credit exposure for the stakeholder consumption, which involves senior management within the bank. Tracking the industry trends and developments and reporting to stakeholders. Liaising with business, traders, legal and project managers for portfolio managements tasks. Ensure adherence to deadlines for new deals and timely completion of error-free annual reviews. To be successful in this role, we re seeking the following: MBAs or CAs with relevant experience in Credit analysis, FMU credit experience preferred. Understanding of Credit exposures, specifically counterparty credit exposures is preferred. Basic understanding of credit documents like GMRA, ISDA. Experience with financial model creations, Stress exposure reporting. America s Most Innovative Companies, Fortune, 2024 World s Most Admired Companies, Fortune 2024 Human Rights Campaign Foundation, Corporate Equality Index, 100% score, 2023-2024 Best Places to Work for Disability Inclusion , Disability: IN 100% score, 2023-2024 Most Just Companies , Just Capital and CNBC, 2024 Dow Jones Sustainability Indices, Top performing company for Sustainability, 2024 Bloomberg s Gender Equality Index (GEI), 2023

In this role, you will: Participate in monitoring, documenting, underwriting, and reacting to the credit quality of an assigned portfolio of loans within Corporate Banking Portfolio Management functional area and contribute to large scale planning related to functional area deliverables Review and research moderately complex business challenges that require an in-depth evaluation of multiple factors Resolve moderately complex issues and lead a Corporate Banking Portfolio Management team to meet project deliverables while leveraging solid understanding of the functional area, policies, procedures, and compliance requirements Collaborate and consult with peers, colleagues, and mid level managers to resolve issues and achieve goals Lead projects, teams, or serve as a mentor for less experienced staff Required Qualifications: 4+ years of Experience in CIB Portfolio Management, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: At least a B. Com/M. Com or an equivalent qualification. MBA, CA, CFA FRM or an equivalent qualification would be a plus. At least 7 to 9 years experience in credit analysis/underwriting of corporates/FIG clients, structured finance, or debt capital markets. 1 to 2 years of Securitization and or ABS markets related experience and exposure is desirable. In-depth understanding of financial statements and accounting policies (IFRS/ GAAP etc.) of large corporates and/or financial institutions with ability to comprehend key risks. Proficiency in MS Office (Word, Excel & PowerPoint): Advanced knowledge of excel, VBA, python, macros, etc. would be a plus. Exposure in transformation projects, process efficiency, etc. would be an added advantage. Strong communication skills both verbal and written. Ability to speak articulately and strong business writing skills. High level of personal motivation, strong interpersonal skills, and ability to multitask across contents in an evolving environment. Proven track record in training and developing junior team members. Must be comfortable working independently and as part of a team, leading projects and taking initiatives. Must be flexible to work in EMEA/partial US shift as per business requirements.

Warm Greetings from Rivera!! NOTE: IMMEDIATE JOINERS ONLY Job Summary : The Mortgage Loan Processor will be responsible for performing a variety of loan documentation duties on complex loan packages and ensure compliance with policies and procedures for loan products. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions: • Verify loan quality as per US requirements and lender guidelines and set up the loan for UW • Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm • Review and analyze all necessary documentation, including borrower docs and third-party docs • Interpret policies while analyzing applicant information, property and documentation • Comprehensive understanding of credit underwriting guidelines. Requirements: This role requires a wide variety of strengths and capabilities, including: • Minimum 1 year experience in US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines • Excellent customer service and written and verbal communication skills • Detail oriented and excellent organizational skills • Quick learner to keep up with the fast paced mortgage industry • Able to prioritize multiple tasks and manage time • Problem-solver with strong analytical skills • Adheres to directives, procedures, and standards • Ability to work in a paperless environment • Computer proficiency including Microsoft Office Product Suite • Candidates must be available to work outside of normal business hours when necessary • Flexible to work in 24/7 process including night shifts and weekends Years of experience needed • Minimum 1 Year of experience US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines Preferred candidate profile ~One way cabs ~Incentives Contact On and Book the Slots: Chethana : 7829336034 Email ID: rivera.chethana@gmail.com

About this role: Wells Fargo is seeking a Senior Commercial Banking Portfolio Coordinator. In this role, you will: Review complex credit information of loans for companies and industries Provide support to the Commercial Banking Portfolio Management team and more experienced individuals in the credit approval process Perform complex credit investigations on companies and industries Utilize knowledge and interpretation of procedures to direct less experienced individuals Interact with immediate team and Commercial Banking Portfolio Management functional area to review process of companies for providing credits Required Qualifications: 4+ years of financial analysis experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Experience in financial analysis, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Degree/Masters in accounting, Finance, Economics or CA Inter. Any professional certification in Finance/Accounting/Economics would be a plus Certification in VBA/Advanced Excel would be a plus Should have 4 years of work experience. Analytical bent of mind and ability to draw pattern from discrete set of data. Good knowledge with excel skills with ability to develop and comprehend complex function and macros. Excellent communication skills, with good comprehension and business writing skills. Job Expectations: Work on the activities related to Regulatory Reporting, using the financial metrics, debt schedule, loan documents. Portfolio support activities Knowledge on C&I, CRE and Leverage Lending loans Responsibilities Responsibility includes, but not limited to: Review, analysis and delivery of financial statement transactions and positions based on internal controls and industry standards. Knowledge in Credit Analysis, US GAAP,10K & 10Qs. Good knowledge on GAAP Accounting International Financial Reporting Standards. Well versed with EBITDA calculation, credit structuring, WACC & DCF. Financial spreading work & ratio analysis. Independently identifies issues and implements resolutions; may assist other team members with issues As a subject matter expert, provides work direction and training to co-workers regarding processes. Strong analytical, research, Strong business writing skills and problem solving skills. Participates in process meetings and interacts on a fairly regular basis with process SMEs Perform administrative function, research on access accounts, projects, and maintenance and database conversions as required. Very detailed oriented and flexible to work on multiple processes. Strong with MS Excel and Macros Thorough understanding of customer data requirements as related to the banking and financial services industry. Quality-oriented. Good attention to detail. Have a sense of urgency in addressing errors. Demonstrates willingness to learn new skills and tasks Finishes ones tasks as per set schedules. Takes initiative for ensuring timely completion of set tasks. Receives and reciprocates basic information clearly in the written and oral form; Demonstrates good command over the English language. Ability to escalate issues appropriately. Ability to accurately process high volumes of work within established deadlines Ability to adapt to change and work on multiple processes Ability to set priorities, and deliver the tasks within the stipulated timelines Candidate must be willing to work in shifting schedule depending on business need. Quality check of work performed by junior team members and provide appropriate feedback on the same. Understand the feedback received from the onshore team members and disseminate the same to the team. Provide training to the team members and educate them on the tough scenarios

About this role: This role is within Corporate & Investment Banking (CIB) team within Wells Fargo India and the supports the structured finance, corporate debt finance and lending department within CIB business covering both large domestic and international clients. The role involves working and supporting an industry leading structured finance department. Specifically, this involves credit analysis/portfolio management support for a large department that lends money to financial institutions. The role also involves review of various client documents, undertaking financial review, credit analysis, writing different types of memos, compiling regular weekly/monthly/quarterly reports, trend analysis, covenant review, ratio calculations, etc. and will require working closely with front office team in the business. The role involves significant opportunities to learn, develop and work as an integral member of the business. In this role, you will: Participate in monitoring, documenting, underwriting, and reacting to the credit quality of an assigned portfolio of loans within CIB Portfolio Management functional area and contribute to planning related to functional area deliverables Review less complex or tactical issues, policies or procedures for which answers can be quickly obtained related to low-to-medium risk tasks and deliverables Receive direction from supervisor and exercise judgment while developing understanding of functions, policies, procedures, and compliance requirements Provide information to managers, functional colleagues and stakeholders Required Qualifications: 6+ months of CIB Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired qualifications: Financial statement analysis. Reviewing monthly client reporting to check for completeness & accuracy of financial calculations including covenants. Preparing a summary of the above either in written format or in a common-sized excel format. Maintaining various databases and various spreadsheets for internal reporting. Tracking & reporting on financial trends of the client or loan weve given them. Preparing monthly &/or quarterly decks to report on the above. Job Expectations: At least a B. Com/M. Com or an equivalent qualification. MBA, CA, CFA FRM or an equivalent qualification would be a plus. Up to 2 years' experience in credit analysis, debt or equity research, corporate lending; experience in structured finance (including work on mortgage-backed securities, bond securitizations or collateralized lending), securitization and/or CDF markets related experience with another large bank is desirable. In-depth understanding of financial statements and accounting policies (IFRS/ GAAP etc.) of large corporates and/or financial institutions with ability to comprehend key risks. Proficiency in MS Office (Word, Excel & PowerPoint); advanced knowledge of excel, VBA, python, macros, etc. would be a plus. Strong communication skills both verbal and written; ability to speak articulately & strong business writing skills (error free, correct grammar, etc.). High level of personal motivation, strong interpersonal skills to work across continents. Must be able to work in a fast-paced production environment and juggle a variety of tasks (time management skills are important). Must be comfortable working independently and as part of a team.

"• Timely and accurate in the preparation of written analysis of banks and other financial institutions including Non-Bank Financial Institutions (NBFI) Contact\Whatsapp+918712691790\ navya.k@liveconnections.in *JOB IN BANGELURU* Required Candidate profile • May assist in internal and external exams by preparing the necessary credit folders for the exam. This will be done under direct supervision of the Loan Team Manager."

a Summary The Executive Director, Regulatory Affairs and Compliance, will be a key leader, ensuring the NBFC operates in full adherence to the evolving regulatory landscape, including RBI guidelines and industry standards. This role involves managing regulatory risks, building relationships with regulators, and fostering a culture of compliance. Key Responsibilities Develop and implement regulatory compliance strategy aligned with NBFC objectives and RBI guidelines. Comply with regulatory including finance Lead interactions with government authorities, including the RBI, and represent the company in regulatory matters. Ensure timely filing of statutory documents and manage all aspects of NBFC licensing and approvals. Represent Company in Communication with and vendors if needed. Qualifications A Bachelor's degree in a relevant field (Master's preferred). Extensive experience (e.g., 10-15 years) in a senior leadership role focusing on regulatory compliance or legal affairs within the banking sector, including working with the RBI and knowledge of NBFCregulations. Scale IV designation in Banking sector or higher. Strong leadership, communication, and analytical skills.

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate/ Graduate in any discipline 1. Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers. 2. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework 3. Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion. 4. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc. 5. Arrange for Credit programs and training within company's credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio. 6. Authorize deviations raised and documented by underwriters in compliance with credit policy. 7. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. 8. Co-ordinate with the recoveries team and generate business insights. 9. Manage end to end credit approval for the designated zone. 10. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. 11. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. 12. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. 13. Develop cross functional collaboration to smooth business and ensure quick TAT 14. Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Key Objective of the Job: Handling the Proposal Sanction Management Process of the branches. Key Deliverables: Ensure the credit policy implementations. Quality CAM making and updation along with Tele Verification & Report in cases. Manage and supervise CPA/ FI agency/ valuation agency operations. Ensure quality portfolio of the branches within the set parameters of non-starters. Conduct training for FI/CPA/ Channels and cross verticals at regular intervals. Visit Channels/ Branches and customers at regular intervals. Education Qualification: MBA / CA/ ICWA/ CS/ M.com/ B.Com. (Hons.) Specialized job competencies: Functional Competencies Process-Orientation Team Skills Basic understanding of Credit process Technical knowledge in financial analysis Ability to sustain pressure Facilitator Behavioral Competencies Execution Excellence Customer Centricity Fostering Synergy Hiring Parameters: Good communication skill Knowledge of IT and Computers Software Compliance Orientation Location - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

To underwrite and manage the portfolio in assigned branch/location Responsibilities: Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third partiesTake ownership of client queries and use industry knowledge and experience to overcome challenges and solve problemsExceed service quality standards and strive for continuous process improvement Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. Educational Qualification: Post Graduate/ Graduate in any discipline

Key Responsibilities Facility Management: Oversee the cleanliness, safety, and organization of the fitness center, ensuring compliance with health and safety regulations. Program Development: Design and implement diverse fitness programs and classes that cater to various fitness levels and member interests. Staff Management: Recruit, train, schedule, and supervise fitness staff, including personal trainers and group exercise instructors, ensuring high performance and adherence to company standards. Member Engagement: Foster a positive and supportive environment, addressing member inquiries, concerns, and feedback promptly to enhance satisfaction and retention. Equipment Oversight: Monitor and maintain fitness equipment, ensuring proper functioning and arranging for repairs or replacements as needed. Marketing & Promotion: Collaborate with the marketing team to promote fitness programs, special events, and membership offers to attract and retain members. Budget Management: Assist in managing the fitness department's budget, including payroll, equipment purchases, and program costs, ensuring financial objectives are met. Performance Monitoring: Track and analyze key performance indicators (KPIs) such as member attendance, program participation, and revenue generation to inform decision-making and continuous improvement.

Job Title: Sr. Research Analyst/ Research Analyst – Fixed Income Research & Valuations Division – CRISIL Intelligence Department – Fixed Income Research Website- https://intelligence.crisil.com/ Experience: 2-5 years Functional Responsibility/ Domain Related: Valuations of various Indian debt instruments including corporate bonds, money market instruments, government securities, state development loans, Treasury bills etc. Construction and review of yield curve across issuers, sectors and rating categories. Establishing a strong network for polling across market participants – mutual funds, insurance companies, banks, primary dealers, brokers, arrangers and other active investor/ traders segments Polling with various debt market participants on a daily basis for sourcing required pricing information. Sourcing and analyzing trades/pricing data received from various market sources (exchanges, asset managers etc.) for the purpose of valuations. Preparation of valuation models using excel/VBA. Preparation of ad-hoc analytical report for the purpose of senior management and/or for external agencies. Preparation and maintenance of documentation related to valuations Assistance in development, testing, maintenance of various in-house applications Desirable Skills: Fixed income dealing experience in CP, CD and corporate bonds in Indian debt markets Strong connect with market participants including fund managers, arrangers, PDs, issuers, brokers etc Analytical inclination and fixed income fundamentals knowledge. Strong oral, written and presentation skills Fixed income market understanding Working knowledge of MS office products and VBA

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Location: Mumbai,New Delhi,Pune,Bangalore,Hyderabad,Chennai

This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches.Credit-Operations Manager will ensure 100% process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. core Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process.Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC.Ensuring gating rejections in line with credit policy and close monitoring on login quality.Ensuring timely initiation of internal reports and checks as mandated by credit policy.Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy.Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines.Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing.Ensure 100% adherence to policies and SOPs across all credit-operations processes.Identify and rectify process gaps to enhance efficiency and accuracy.Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required.Ensure compliance with regulatory requirements and internal controls.Work on Loan Origination System (LOS) and Finnone for loan processing.Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting.Support digital initiatives to streamline credit-operations processes and improve efficiency.Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region.Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency.Conduct periodic performance reviews and ensure team adherence to KPIs.Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Key Performance Indicators (KPIs):First Time Right (FTR) Ensuring minimal errors in loan files.Turnaround Time (TAT) Ensuring quick and efficient loan processing.Compliance Adherence No deviations from policy and regulatory guidelines.Process Efficiency Identifying and implementing improvements in workflows.Driving penetration of E-NACH for improved operational efficiency Ensuring acknowledgment of property papers / PDDs from the credit teamResponsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques.Hold regular meetings with the business team & conduct regular training for improvement in FTR filesWork cross-functionally with internal partners to develop technological solutions and to adapt and deploy new technologies to drive efficiency, correct deficiencies, and build greater consistency in processesPrioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC.Ensuring low attrition for the team. Quealifications : Graduate (Preferred: Finance, Business Administration, Commerce or related field) Masters/Postgraduate CA / MBA (Finance) or Equivalent

Job Purpose Support and co-partner with the sales team to underwrite mortgage business and manage the portfolio of respective zone. Responsibilities Core Responsibilities: Own theentirecreditunderwriting process for his/her zone, including the consistent application of acreditpolicy, periodiccreditreviews of existing customers, early warning and delinquency management and the assessment of thecredit-worthiness of potential customers. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework Assess customers sourced by the Sales team as per thecreditpolicy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc. Arrange forCreditprograms and training within company'screditframework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality ofcredit& maintain a healthy portfolio. Authorize deviations raised and documented by underwriters in compliance with credit policy. Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. Co-ordinate with the recoveries team and generate business insights. Manage end to end credit approval for the designated zone. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. Develop cross functional collaboration to smooth business and ensure quick TAT Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

About this role: Wells Fargo is seeking a Senior Commercial Banking Portfolio Manager... About Wells Fargo Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $2.0 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 8,500 locations, 13,000 ATMs, the internet (wellsfargo.com) and mobile banking, and has offices in 42 countries and territories to support customers who conduct business in the global economy. With approximately 273,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo's vision is to satisfy our customers financial needs and help them succeed financially. News, insights, and perspectives from Wells Fargo are also available at Wells Fargo Stories. Wells Fargo India and Philippines (WFIP) is an integral part of the Well Fargo Enterprise and provides Operations and Technology support to the WF Enterprise Business. WFIP operates out of 4 sites across 2 countries and currently has 28,000 employees supporting all lines of business covering business operations, technology development and support. Department Overview Wells Fargo Middle Market Banking (MMB) delivers a comprehensive suite of products and industry expertise to serve the diverse financial needs of companies with annual sales typically ranging from $5 million to $2 billion. As a leader in serving commercial customers, Wells Fargo offers financial services including credit and treasury management solutions as well as specialized expertise across industries including Technology, Food, Beverage & Agribusiness, Investor Real Estate and Government. The role involves performing credit investigation and analyzing complex and diverse credit information for companies and industries for Commercial loans (including real estate asset class). Functions include but not limited to: (a) Performing loan modification/service/monitoring activities (b) Analyzing borrower information, financial statements, tax returns and collateral to determine accuracy of risk ratings Responsibilities include, but not limited to: Evaluate financial performance of companies / borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the time period. This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity. Perform market research using various third party applications and compare performance of borrowing entity against market data to draw conclusion of overall performance. Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank's credit guidelines. Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees. Quality check of work performed by junior team members and provide appropriate feedback on the same. Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking workload planning as well. Understand the feedback received from the onshore team members and disseminate the same to the team. MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics. At least 8 years of overall commercial credit experience across diversified asset class (includes corporate entities and real estate asset class) Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance). Well versed with Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis. Working experience with Moody's Risk Analytics would be a plus. Experience in assessing credit worthiness of borrower based on various qualitative and quantitative factors Excellent communication skills, with special focus on business writing skills for credit reports. Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources into one prescribed template. Advanced excel skills would be a plus