- Location: Mumbai
- Qualification: 2 to 3 years

Academic Qualification

- Chartered Accountant or equivalent
- Knowledge: Underwriting and analysis experience of loan documents, financial statements, collateral documents, research for specific sector, ability to comprehend complex commercial credits.
- Research skills: They require the ability to conduct research into borrowers and industries to be abreast with factors that may affect profitability and the borrower’s ability to repay loans.
- Knowledge of finance, accounting, Ledger Analysis, statutory dues requirements, lending cycle and ability to read and understand Loan Documents.
- Knowledge of financial and accounting software applications. Ability to analyse financial data and prepare reports on procedure performed as per Scope of Work (SOW) & Standard Operating Procedures (SOP).
- Prior experience in the financial reporting/general ledger area & performing Bank Audits is added advantage.
- Must be computer proficient and able to thrive in a fast -pace setting. Must have operating knowledge of Microsoft Excel and Word.
- Strong verbal and written communication skills to work with the lending and credit teams, relationship managers, credit approvers, client, etc.
- Strong interpersonal, supervisory and client service skills required.
- Ability to multi-task, work under pressure and meet deadlines required.
- Self-motivated personality

Job Responsibilities

- Responsible for underwriting loans and preparing report/presentations
- Takes decision on credit applications under the supervision of senior underwriters




- Utilizes provided software to score credit applications
- Works with the credit administrator on policies and procedures
- Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects
- Assesses credit opportunities; identifies key risks, and structures alternatives working with relationship managers and credit officers
- Responsible for preparing in-depth credit study
- Responsible for conducting research on borrowers and industries
- Takes ownership of the credit process, making decisions in the best interest of the customer and Bank
- Provides support to account officers on customer calls as needed
- Responsible for measuring covenants put in place within loan agreements, with a transparent understanding of the effect and purpose of those loan covenants, and communicates the compliance of the borrowers to the relationship manager and chief credit officer as needed
- Completes annual reviews, modifications, extensions, renewals, and new loan requests for customers with minimal required changes from the credit approvers
- Analyzes more complex credits with assistance from senior Bank staff
- Applies experience with comparable credits to recommend appropriate covenants, terms, and conditions, and structure for a credit request
- Identifies policy exceptions within a credit request
- Discusses risk ratings and the rationale for the determination of acceptable credits with the relationship managers (RM) and credit approvers

Domain / Industry Preferred

- Chartered Accounting firm, Banks & NBFC

📌 Senior Executive- Underwriter Bank Loan (India)
🏢 NHBS LLP Global
📍 India