Banking Advisory Associate

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 underwritingApplying relevant accounting standards for fair and rigorous credit assessmentUndertaking ad-hoc reporting / analysis requirementsAnalysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal processNormalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figuresCalculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metricsAccounting Financial Reporting StandardsBanking, Financial ServicesWritten and verbal communicationExperience/exposure of US commercial banking operationsGood 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 guidelinesYour expected interactions are within your own team and direct supervisorYou will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignmentsThe decisions that you make would impact your own workYou will be an individual contributor as a part of a team, with a predetermined, focused scope of workPlease note that this role may require you to work in rotational shifts

 Qualification MCom,Master of Business Administration