Senior Executive- Underwriter Bank Loan

Academic Qualification Chartered Accountant or equivalentKnowledge : 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 borrowers 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 personalityJob Responsibilities Responsible for underwriting loans and preparing report / presentationsTakes decision on credit applications under the supervision of senior underwritersUtilizes provided software to score credit applicationsWorks with the credit administrator on policies and proceduresUndertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospectsAssesses credit opportunities; identifies key risks, and structures alternatives working with relationship managers and credit officersResponsible for preparing in-depth credit studyResponsible for conducting research on borrowers and industriesTakes ownership of the credit process, making decisions in the best interest of the customer and BankProvides support to account officers on customer calls as neededResponsible for measuring covenants put in place within loan agreements, with a clear 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 neededCompletes annual reviews, modifications, extensions, renewals, and new loan requests for customers with minimal required changes from the credit approversAnalyzes more complex credits with assistance from senior Bank staffApplies experience with comparable credits to recommend appropriate covenants, terms, and conditions, and structure for a credit requestIdentifies policy exceptions within a credit requestDiscusses risk ratings and the rationale for the determination of acceptable credits with the relationship managers (RM) and credit approvers