credit underwriter

Savings Bank Of Mendocino County

<div>Job Title: Commercial Loan Underwriter
Department: Credit Administration
Reports To: Manager of Commercial Underwriting
FLSA Status: Exempt
Salary Grade: 22
Starting Range: $73,071.00 - $90,264.00 DOE
Our starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.
<h1 class="jobSectionHeader">SUMMARY</h1>
Are you a motivated and high performing individual who has strong people, organizational skills, and a desire to work at a local business dedicated to meeting the financial needs of its customers, validating the investment of its shareholders, and investing its time, money, and expertise to support worthy causes throughout Lake and Mendocino Counties? Savings Bank of Mendocino County has proudly been serving the needs of our communities since 1903 and is seeking a qualified professional for the role of Commercial Loan Underwriter in the Credit Administration Department. This position involves performing detailed credit analysis and underwriting of Commercial &amp; Industrial (C&amp;I) and commercial real estate (CRE) loans. This role emphasizes evaluating operating companies, analyzing business cash flow, and structuring credit facilities that support growth while managing risk.
The ideal candidate has four or more years of experience in a credit analyst or equivalent position. A successful person in this role is organized; detail oriented; personable; has strong time management skills; and is comfortable interacting with a broad range of individuals, including customers, executive officers and third-party companies. Savings Bank is excited to add to our team of individuals seeking to fulfill the Bank&rsquo;s vision of Investing in the future as your local independent bank, committed to the prosperity of our communities, employees and shareholders.
<h1 class="jobSectionHeader">ESSENTIAL JOB FUNCTIONS &amp; RESPONSIBILITIES</h1>
To perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
<div><ul><li>Performs in-depth financial analysis of operating companies, including review of financial statements, tax returns, and borrower/guarantor cash flow.</li></ul>
<ul><li>Recommends loan structures, collateral, covenants, and risk ratings consistent with internal policy.</li></ul>
<ul><li>Works closely with commercial lenders to clarify borrower needs and guide deal structure.</li></ul>
<ul><li>Prepares clear, concise credit memoranda for new requests, renewals, and modifications.</li></ul>
<ul><li>Underwrites Commercial &amp; Industrial (C&amp;I) and commercial real estate (CRE) loans, including owner-occupied and investment properties.</li></ul>
<ul><li>Conducts annual reviews and ongoing risk assessments for CRE relationships.</li></ul>
<ul><li>Monitors covenant compliance, financial reporting, borrowing bases (if applicable), and early warning indicators.</li></ul>
<ul><li>Supports portfolio analysis, stress testing, and concentration management activities.</li></ul>
<ul><li>Ensures underwriting and loan structures comply with internal credit policies, regulatory standards, and safety-and-soundness expectations.</li></ul>
<ul><li>Maintains complete documentation in credit systems and participates in internal audits or regulatory exams as needed.</li></ul>
<ul><li>Exercises individual loan approval authority up to an assigned limit and participates in joint approvals or credit committee reviews for larger or more complex credits.</li></ul>
<ul><li>Additional duties as assigned depending on department needs.</li></ul>
</div><h1 class="jobSectionHeader">MINIMUM QUALIFICATION</h1>
<ul><li>Four (4) years&rsquo; experience in a credit analyst or commercial lending position
<ul><li>Degree in Finance, Accounting, or Economics, or related field may substitute for years of experience
</li></ul></li></ul><h1 class="jobSectionHeader">PREFERENCES</h1>
<ul><li>Previous experience as a Commercial Loan Underwriter</li>
<li>Bachelor&rsquo;s Degree in Finance, Accounting, or Economics, or related field
</li><li>Completion of formal commercial credit training</li>
</ul><h1 class="jobSectionHeader">JOB COMPETENCIES</h1>
<ul><li>Fostering Communication: Understands underlying needs, motivations, emotions or concerns of customers and staff; and communicates effectively.</li>
<li>Attention to Detail: Proofreads and edits personal work and that of others, for proper grammar, spelling, and overall readability; ensuring that work has been done according to procedures and standards.</li>
<li>Problem Solving: Identifies problems and alternate solutions, considering applicable precedents; and evaluates the effectiveness of solutions after implementation.</li>
<li>Analytical Thinking: Analyzes and synthesizes information to understand issues, identify options, and support sound decision making.</li>
<li>Initiative: Deals with situations and issues proactively and persistently, seizing opportunities to go above and beyond.</li>
<li>Quality Focus: Follows all policies and procedures set by the Bank; consistently meets quality standards set by the Bank; seeks opportunities for improvement.</li>
<li>Fraud Detection and Control: Employs appropriate techniques and procedures for identifying, reporting, and preventing fraud.</li>
<li>Teamwork: Works collaboratively with others to achieve organizational goals.</li>
<li>Product &amp; Technical Knowledge: Understands the products and services provided.</li>
<li>Time Management: Organizes and prioritizes tasks to maximize efficiency.</li>
<li>Career Development and Coaching: Shares knowledge with other employees; mentors others on how to perform work tasks</li>
<li>Collaboration: Recognizes, values, and leverages the unique perspectives, experiences, and talents of every individual; promoting fairness and belonging throughout the organization.</li>
</ul><h1 class="jobSectionHeader">POSITION BENEFITS</h1>
<ul><li>Competitive, market-based pay</li>
<li>Comprehensive insurance benefits package including medical, dental, vision and more</li>
<li>401(k) plan with maximum 6% employer match</li>
<li>Profit Sharing plan</li>
<li>Generous paid time off plans</li>
<li>Employee Health and Wellness program</li>
<li>Community volunteer opportunities</li>
<li>Career development and training opportunities</li>
</ul><h1 class="jobSectionHeader">EQUAL EMPLOYMENT OPPORTUNITY</h1>
Savings Bank of Mendocino County is an Equal Opportunity Employer and employment selections are based on merit, qualifications and abilities. Savings Bank of Mendocino County will consider all qualified applicants for employment and does not discriminate in employment opportunities or practices on the basis of: age, race, religion, color, sex, national origin, sexual orientation, gender identity, protected veteran, disability, or any other status protected by law.
<h1 class="jobSectionHeader">PHYSICAL &amp; MENTAL DEMANDS</h1>
The physical and mental demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position is set in a quiet, office environment. The position is generally regarded as light work. Exerting up to 20 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects, including the human body. While performing the duties of this job, the employee may be required to alternately stand, walk, sit, reach with arms, talk or hear and use hands to write, type, and handle or feel objects, tools or controls. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading. Some driving may be required.
Employee must possess the ability to read, write, perform basic math functions, understand basic communication and instructions, carry out instructions, complete basic problem-solving and analyzing of information, and make independent decisions within scope of responsibility.
A post-offer physical is not required for this position.</div>

Commercial Credit Underwriter

CreditSea

About the Company:At Credit sea, we partner with heading NBFCs to help Customers find the best online financial solutions, including quick and hassle-free loans. Our skilled team provides assistance every step of the way, from Completing your loan documents to ensuring fast disbursal of funds.About The Role:We are looking for a detail-oriented and analytical Credit Underwriter to join our Credit &amp; Risk team. The ideal candidate will assess loan applications, evaluate creditworthiness, and make informed decisions that align with the company&rsquo;s risk appetite and business goals.Key Responsibilities:Review and analyze loan applications, financial documents, and credit reportsAssess applicant risk by evaluating income, liabilities, employment, and repayment capacityMake clear, data-driven underwriting decisions within defined turnaround timesEnsure compliance with internal policies, regulatory norms, and credit risk standardsCollaborate with sales, collections, and operations teams to ensure seamless customer journeysContinuously refine underwriting criteria based on performance and market trends Document decisions and maintain accurate underwriting recordsQualifications:Bachelor&rsquo;s degree in Finance, Economics, Business, or related field 1&ndash;3 years of experience in credit underwriting, preferably in NBFCs or fintech companiesStrong understanding of credit risk, financial ratios, and lending practicesProficiency in MS Excel and credit scoring toolsHigh attention to detail and strong analytical skills Ability to work independently and make sound judgmentsExperience in underwriting unsecured loans or digital lending platforms(Preferred)If you're someone who enjoys working with data, has a sharp eye for risk, and thrives in a dynamic environment&mdash;we&rsquo;d love to hear from you!Job Type: Full-timePay: ₹240,000.00 - ₹420,000.00 per yearBenefits:<ul><li>Health insurance</li><li>Paid sick time</li><li>Paid time off</li><li>Provident Fund</li></ul>Work Location: In person

Sanction Executive/Credit Analyst

Accenture

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting 
Designation: Banking Advisory Analyst 
Qualifications:BCom/Master of Business Administration/CA Inter
 
Years of Experience:3 to 5 years
 
About Accenture 
Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song&mdash; all powered by the world&rsquo;s largest network of Advanced Technology and Intelligent Operations centers. Our 784,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com
 
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? &bull;Ability to establish strong client relationship &bull;Written and verbal communication &bull;Ability to handle disputes &bull;Ability to manage multiple stakeholders &bull;Collaboration and interpersonal skills The scope of this role includes full-cycle portfolio management and credit underwriting for a diversified portfolio of large corporates across multiple industry sectors. The position is responsible for maintaining portfolio quality, conducting advanced financial analysis, supporting credit decisions, and ensuring strong risk governance across all assigned relationships. Scope of Work includes but not limited to 1. End-to-End Credit Underwriting 2. Forward-Looking Financial Modelling &amp; Valuation 3. Ongoing Portfolio Monitoring 4. Industry &amp; Sector Coverage
 
Roles and Responsibilities: &bull;In this role you are required to do analysis and solving of lower-complexity problems &bull; Your day to day interaction is with peers within Accenture before updating supervisors &bull; In this role you may have limited exposure with clients and/or Accenture management &bull; You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments &bull; The decisions you make impact your own work and may impact the work of others &bull; You will be an individual contributor as a part of a team, with a focused scope of work &bull; Please note that this role may require you to work in rotational shifts
 
BCom,Master of Business Administration,CA Inter

Banking Advisory Analyst

Cardinal Health

<div>What Credit contributes to Cardinal Health 
Finance oversees the accounting, tax, financial plans and policies of the organization, establishes and maintains fiscal controls, prepares and interprets financial reports, oversees financial systems and safeguards the organization's assets. 
 
Credit is responsible for managing Cardinal Health's trade and note receivables including performing credit underwriting, establishing bad debt reserves, managing customer relationships, collaborating with the sales and collections teams, managing credit risk for the company, and administering credit policies and standards.
Job Summary
The Credit Advisor is responsible for evaluating, structuring, and monitoring commercial credit exposure across a complex B2B portfolio. This role focuses on underwriting discipline, contract evaluation, portfolio analytics, and cross-functional risk alignment (not collections execution). This role partners closely with Sales, Finance, Legal, Contracting, and Operations to ensure credit decisions align with risk appetite, compliance standards, and working capital objectives.
Responsibilities<ul><li>
Commercial Credit Underwriting<ul><li>
Perform in-depth financial statement analysis (GAAP and tax basis)</li><li>
Evaluate liquidity, leverage, profitability, and cash flow adequacy</li><li>
Assess debt capacity, covenant sensitivity, and stress scenarios</li><li>
Assign internal risk ratings and recommend credit limits</li><li>
Conduct periodic portfolio reviews and risk migration analysis</li></ul></li><li>
Contract &amp; Compliance Evaluation<ul><li>
Review customer agreements and contract terms for credit risk implications</li><li>
Assess payment terms, pricing structure, rebate exposure, and compliance risk</li><li>
Ensure alignment with internal risk policy and SOX control requirements</li><li>
Partner with Legal and Contracting on risk-sensitive structures</li></ul></li><li>
Portfolio Risk &amp; Order-to-Cash Integration<ul><li>
Monitor exposure across business units</li><li>
Analyze aging trends, DSO impact, and working capital risk</li><li>
Evaluate cross-segment exposure visibility</li><li>
Support structured credit decision documentation</li><li>
Provide portfolio-level reporting and executive-ready summaries</li></ul></li><li>
Cross-Functional Collaboration<ul><li>
Partner with Sales leadership to structure appropriate credit solutions</li><li>
Work closely with Finance, Treasury, and Operations on exposure monitoring</li><li>
Participate in customer-level risk discussions and strategic planning</li><li>
Support continuous improvement in credit governance processes</li></ul></li></ul>
Qualifications<ul><li>
Bachelor's degree in related field, or equivalent work experience, preferred</li><li>
4-6 years of commercial underwriting experience within banking, manufacturing, or B2B distribution industry, preferred</li><li>
Strong understanding of financial statement analysis, credit structuring and risk rating methodology</li><li>
Familiarity with Order-to-Cash workflows and portfolio analytics, preferred</li><li>
Experience with MS Excel</li><li>
Strong executive communication skills</li><li>
Experience supporting compliance and contract risk evaluation, preferred</li><li>
SAP experience, strongly preferred</li><li>
Exposure to healthcare or regulated industries, preferred</li><li>
Experience working within multi-entity or multi-business-unit structures, preferred</li><li>
Portfolio stress testing and exposure aggregation analysis, preferred</li><li>
Experience working cross-functionally across Finance, Legal, and Sales, preferred</li></ul>
What is expected of you and others at this level<ul><li>
Applies comprehensive knowledge and a thorough understanding of concepts, principles, and technical capabilities to perform varied tasks and projects</li><li>
May contribute to the development of policies and procedures</li><li>
Works on complex projects of large scope</li><li>
Develops technical solutions to a wide range of difficult problems</li><li>
Solutions are innovative and consistent with organization objectives</li><li>
Completes work; independently receives general guidance on new projects</li><li>
Work reviewed for purpose of meeting objectives</li><li>
May act as a mentor to less experienced colleagues</li></ul>
Anticipated salary range: $67,500-$96,300
Bonus eligible: No
Benefits: Cardinal Health offers a wide variety of benefits and programs to support health and well-being.<ul><li>
Medical, dental and vision coverage</li><li>
Paid time off plan</li><li>
Health savings account (HSA)</li><li>
401k savings plan</li><li>
Access to wages before pay day with myFlexPay</li><li>
Flexible spending accounts (FSAs)</li><li>
Short- and long-term disability coverage</li><li>
Work-Life resources</li><li>
Paid parental leave</li><li>
Healthy lifestyle programs</li></ul>
Application window anticipated to close: 04/24/2026 *if interested in opportunity, please submit application as soon as possible.
The salary range listed is an estimate. Pay at Cardinal Health is determined by multiple factors including, but not limited to, a candidate&rsquo;s geographical location, relevant education, experience and skills and an evaluation of internal pay equity.
 #LI-Remote
#LI-SP1
Candidates who are back-to-work, people with disabilities, without a college degree, and Veterans are encouraged to apply.
Cardinal Health supports an inclusive workplace that values diversity of thought, experience and background. We celebrate the power of our differences to create better solutions for our customers by ensuring employees can be their authentic selves each day. Cardinal Health is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, ancestry, age, physical or mental disability, sex, sexual orientation, gender identity/expression, pregnancy, veteran status, marital status, creed, status with regard to public assistance, genetic status or any other status protected by federal, state or local law.</div>

Credit Advisor

First Abu Dhabi Bank (FAB)

<div>
 Conduct detailed credit assessment and preparation of credit appraisal memos seeking approval for financing against residential and commercial real estate. The key purpose is to determine whether the borrower is eligible for financing and the requested credit facility is in line with the bank&rsquo;s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC).
 
 
 
 Key Accountabilities
 
 
 
 <ul>
 <li>
 Review, analyse &amp; assess loan proposals keeping in mind the approved credit policies, procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
 </li>
 <li>
 Approve credit requests in line with any delegated credit authority, where allowed.
 </li>
 <li>
 Manage the allocated portfolio of clients in terms of timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants, documentary deferrals etc and actively engage with the respective business counterparts on regular basis to address any credit related issues for the allocated portfolio.
 </li>
 <li>
 Given the High Networth and sensitive nature of the clientele, actively engage with the senior business counterparts (Area Managers/Executive Directors etc) to ensure that the proposed facility is adequately structured to meet the clients&rsquo; expectations within the bank&rsquo;s underwriting standards.
 </li>
 <li>
 Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.
 </li>
 <li>
 Adhere to &amp; comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth &amp; methodical manner.
 </li>
 <li>
 Exhibit consistency with organization&rsquo;s values and ethics at all times to demonstrate a value driven culture within the bank.
 </li>
 <li>
 Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.
 </li>
 <li>
 Have in-depth understanding of regulatory and internal bank policies.
 </li>
 <li>
 Exhibits good communication &amp; writing skills when preparing &amp; submitting credit proposals to approving authorities within the Bank.
 </li>
 <li>
 Guide and train a small team of credit analysts for credit underwriting.
 
 
 </li>
 </ul>
 
 Job Responsibilities
 
 
 
 <ul>
 <li>
 Analyse Client&rsquo;s audited financial statements/bank statements/Rental Roll Reports/ Collateral Details etc, look into client&rsquo;s credit history/credit reports/ system checks to meet bank&rsquo;s lending standards.
 </li>
 <li>
 In depth analysis of borrower&rsquo;s financial ratios like profitability, solvency, cashflow, debt service coverage ratios etc in order to ensure error free underwriting and ensuring that the borrower has sufficient repayment capacity to repay the proposed loan facilities.
 </li>
 <li>
 Review &amp; analyse re-structuring requests from the existing loan customers and recommend in line with the bank&rsquo;s policy/TM-RAC.
 </li>
 <li>
 To work out the credit risk rating and check RAROC of the customer as per the bank&rsquo;s portals.
 </li>
 <li>
 Ensure completeness &amp; accuracy of documentation submitted with the credit request in order to avoid fraud and/or delinquency in the future.
 </li>
 <li>
 To review the excess rental release request of the clients after reviewing the rental register and rental collection account.
 </li>
 <li>
 To work in co-ordination with other stakeholders such as Credit Administration, Collections, Operations etc and take up with business in case of non-compliance of terms and conditions.
 </li>
 <li>
 Review/Approve deferral or waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.
 </li>
 <li>
 Approve and/or process the loan applications and service requests efficiently and within the agreed SLAs.
 </li>
 <li>
 Ensure completion and maintenance of the required departmental MIS as required on ongoing basis.
 </li>
 <li>
 Ensure that all the approved loans and proposal related documents are complete and stored in the common folder/system to safeguard any missing or misplaced documents.
 </li>
 <li>
 To be able to work in pressure conditions without compromising on the credit underwriting quality.
 </li>
 <li>
 To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.
 
 
 </li>
 </ul>
 
 Qualification
 
 
 
 <ul>
 <li>
 Minimum Education required: Minimum Bachelor&rsquo;s degree preferably in Finance/Banking/ Commerce.
 
 
 </li>
 </ul>
 
 Experience
 
 
 
 <ul>
 <li>
 Minimum 10 years in Credit and/or Banking experience.
 </li>
 </ul>
</div>

AVP & Lead, Credit Management

<div>
 
 The objective of the Bank in respect of EPB is to become a pre-eminent private bank in the region and be a market leader across UAE in the priority banking arena. Clients in this segment include the High-Net-Worth Individuals &amp;/or all of their group entities representing diverse interests ranging from operating businesses to wide range of investment across various asset classes.
 
 
 
 
 
 The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for private banking credit portfolio. The role also entails compliance with all credit policies and guidelines. This is senior level role where the staff will engage in high value tickets where structuring of facility is key for complex bespoke facilities. In addition to provide credit underwriting support for assigned portfolio&rsquo;s for facilities in UAE and KSA, the role also assists in obtaining necessary approvals for assigned portfolio in international locations of private banking.
 
 
 
 
 
 The role is required to engage with the relationship manager in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
 
 
 
 
 
 
 Skills
 
 
 
 Loan facilities to the High Net Worth and Ultra High Net Worth clients are structured around the loan size, collateral type, tenor and the financial strength of the borrower. Credit facilities are offered under various lending structures such as Lombard facilities, Commercial/Residential Real Estate and Insurance Financing. Accordingly, the job holder is expected to demonstrate deep knowledge of products, industry, markets, financial statements so that he/she can work across all product groups and respond in a timely manner. Hence it is critical that the job holder, among other credit skills, is able to demonstrate the following EPB-specific skill set:
 
 
 
 
 <ul>
 <li>
 A thorough understanding of risks associated complex facility structures
 </li>
 <li>
 Good understanding of documentation/legal requirements for different types of credit facilities
 </li>
 <li>
 Strong initiative and interactive approach to problem solving while displaying flexibility and negotiation skills.
 </li>
 </ul>
 
 
 
 
 He/She is expected to be solution oriented and requires out of the box thinking without seeking to dilute the high standards of credit and be strong partner for business.
 
 
 
 
 
 
 Key Accountabilities
 
 
 <ul>
 <li>
 Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
 </li>
 <li>
 Conduct robust credit analysis by ensuring that appropriate Target Market Risk Acceptance Criteria and PBW GCP guidelines are followed as part of approval process.
 </li>
 <li>
 Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring. Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
 </li>
 <li>
 Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
 </li>
 <li>
 Ensures timely availability of required information to approving authority for credit decision making.
 </li>
 <li>
 Ensure accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
 </li>
 <li>
 Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
 </li>
 <li>
 Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy
 </li>
 <li>
 Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented
 </li>
 </ul>
 
 
 
 
 
 Specific Accountability
 
 
 <ul>
 <li>
 Preparation of comprehensive credit proposals clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
 </li>
 <li>
 Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
 </li>
 <li>
 Ensure credit processing &amp; approval turnaround times as per agreed SLAs.
 </li>
 <li>
 Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
 </li>
 <li>
 Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
 </li>
 <li>
 Oversight the mark-to-market revaluation process and take ownership of liaising with the respective RMs to rectify any margin call situations.
 </li>
 <li>
 Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
 </li>
 <li>
 Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
 </li>
 <li>
 Manage problem credits closely and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
 </li>
 <li>
 Ensure accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
 </li>
 </ul>
 
 
 
 
 
 Minimum Qualification
 
 
 <ul>
 <li>
 Must have Bachelor&rsquo;s degree.
 </li>
 <li>
 Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
 </li>
 </ul>
 
 
 
 
 
 Minimum Experience &amp; Skill Set
 
 
 <ul>
 <li>
 Minimum 5 years relevant experience in the banking sector with at least 4-5 years in Credit function.
 </li>
 <li>
 Good understanding of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
 </li>
 <li>
 Understanding of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.
 </li>
 <li>
 Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.
 </li>
 <li>
 Strong structuring skills
 </li>
 <li>
 Good understanding of legal and regulatory framework.
 </li>
 <li>
 Ability to work under pressure
 </li>
 <li>
 Strong communication skills &ndash; written and spoken.
 </li>
 </ul>
</div>

VP, Credit Management

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting 
Designation: Banking Advisory Senior Analyst 
Qualifications:BCom/Master of Business Administration/CA Inter
 
Years of Experience:5 to 8 years
 
About Accenture 
Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song&mdash; all powered by the world&rsquo;s largest network of Advanced Technology and Intelligent Operations centers. Our 784,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com
 
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? &bull;Written and verbal communication &bull;Ability to handle disputes &bull;Ability to manage multiple stakeholders &bull;Collaboration and interpersonal skills &bull;Strong analytical skills The scope of this role includes full-cycle portfolio management and credit underwriting for a diversified portfolio of large corporates across multiple industry sectors. The position is responsible for maintaining portfolio quality, conducting advanced financial analysis, supporting credit decisions, and ensuring strong risk governance across all assigned relationships. Scope of Work includes but not limited to 1. End-to-End Credit Underwriting 2. Forward-Looking Financial Modelling &amp; Valuation 3. Ongoing Portfolio Monitoring 4. Industry &amp; Sector Coverage
 
Roles and Responsibilities: &bull;In this role you are required to do analysis and solving of increasingly complex problems &bull; Your day to day interactions are with peers within Accenture &bull; You are likely to have some interaction with clients and/or Accenture management &bull; You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments &bull; Decisions that are made by you impact your own work and may impact the work of others &bull; In this role you would be an individual contributor and/or oversee a small work effort and/or team &bull; Please note that this role may require you to work in rotational shifts
 
BCom,Master of Business Administration,CA Inter

Banking Advisory Senior Analyst

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