CREDIT UNDERWRITER – COMMERCIAL BANKING @ PEOPLE STAFFING
We are seeking a dedicated Credit Underwriter to join our Commercial Banking team. In this role, you will be responsible for evaluating the creditworthiness of commercial clients applying for various loan products. You will perform detailed financial statement analysis, covering Profit & Loss statements, Balance Sheets, and Cash Flow projections to ensure a comprehensive understanding of a client's financial health. Possible work locations for this position include Mumbai, Chennai, and Bangalore, offering an opportunity to work in India's major financial hubs.
Your primary duties will include conducting credit risk assessments using the 5 Cs of Credit and analyzing borrowing bases and accounts receivable for working capital loans. You will be expected to prepare and present detailed credit memos that recommend loan approval, rejection, or restructuring based on your expert risk evaluation. The ideal candidate has 2 to 6 years of experience in commercial or corporate credit underwriting, possesses strong decision-making skills, and has a background in the commercial banking domain.
Your primary duties will include conducting credit risk assessments using the 5 Cs of Credit and analyzing borrowing bases and accounts receivable for working capital loans. You will be expected to prepare and present detailed credit memos that recommend loan approval, rejection, or restructuring based on your expert risk evaluation. The ideal candidate has 2 to 6 years of experience in commercial or corporate credit underwriting, possesses strong decision-making skills, and has a background in the commercial banking domain.
Key Requirements
2 to 6 years of experience in Commercial or Corporate Credit Underwriting.
Ability to evaluate creditworthiness of commercial clients applying for loans.
Proficiency in detailed financial statement analysis including P&L, Balance Sheet, and Cash Flow.
Strong understanding and application of the 5 Cs of Credit framework.
Experience in analyzing borrowing base and accounts receivable for working capital loans.
Capability to prepare and present detailed and accurate credit memos.
Skill in recommending loan approval, rejection, or restructuring based on risk evaluation.
Solid understanding of the commercial banking domain and industry trends.
Excellent analytical, quantitative, and decision-making skills.
Effective communication skills for presenting risk assessments to stakeholders.
Detail-oriented approach to monitoring loan portfolios and client financial health.