Job Description

In this role, you will:
Review complex credit information of loans for commercial real estate loans
Provide support to the Specialty Services team and more experienced individuals in the credit approval process
Perform complex credit investigations on loans secured by real estate
Utilize knowledge and interpretation of procedures to direct less experienced individuals
Interact with immediate team and Middle Market Banking functional area to review process of real estate loans for providing credits
Process Responsibilities
Evaluate financial performance of 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 time period. This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity.
Review loan documents and summarize salient facts of the loan and ongoing covenants (both financial and non-financial) to be maintained by the borrower.
Perform market research of real estate using various third party applications and compare performance of subject property against market data to draw conclusion of overall performance.
Review third party documents, such as appraisal, site inspection report and property condition assessment report to infer overall performance of the property and identify significant factors which may impact asset.
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.
Required Qualifications, International:
4 years of Commercial Real Estate credit experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Expert 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).
Good understanding of commercial credit analysis techniques including cash flow analysis, financial concepts and valuation of collateral.
Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources into one prescribed template.
Excellent communication skills, with special focus on business writing skills for credit reports.

Desired Qualifications:
Masters in Finance
ICWAI, CA, CFA qualified
Education: CA (Chartered Accountant)r r r r r r r Any Graduate
Industry: Financial Services/Stockbroking, Banking

Skills Required