Analyst - Credit Risk / Commercial Lending
- NLB
- 1 - 6 years
- Noida, Gurugram
- 4 months ago
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Job Description
- Commercial Credit
Please share your cv at su************a@nl****h.com
Experience -
-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 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.
- 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).
-Knowledge of credit products like BLOC, Revolving credit facility, Auto Floor Plan line of credit, commercial mortgage, term facilities, subordinated notes etc.
- Working experience on credit lens, LoanIQ, Salesforce - nCino, scorecard models etc.
Please share your cv su************a@nl****h.com
Job Classification
Industry: Analytics / KPO / ResearchFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Lending - OtherEmployement Type: Full timeContact Details:
Company: NLB ServiceLocation(s): Noida, Gurugram
Keyskills: Credit Underwriting CRE Credit Review Annual review Credit Risk Analysis Credit Analysis Credit Risk Management Finacial spreading Credit Risk Residential Mortgage
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