Assistant Manager | Credit Underwriting | Bengaluru | Regulatory & Financial Risk
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Job Location:
Monthly Salary:
Posted on:
13 hours ago
Vacancies:
1 Vacancy
Job Summary
Assistant Manager Regulatory Risk & Forensic-Regulatory and Financial Risk Credit Underwriting
- Location: Bangalore
- Entity: Deloitte South Asia LLP
The team
Deloitte Strategy Risk & Transaction helps entities mitigate risk while discovering new opportunities to create value. Our end-to-end risk services span all domains from managing strategic risks in the C-Suite to improving board oversight and from balancing financial and environmental policies to addressing cyber threats. Learn more about Risk Regulatory & Forensic)
Your work
- Evaluate loan applications for commercial and wholesale banking clients ensuring adherence to internal credit policies risk appetite and regulatory frameworks (e.g. Basel III).
- Prepare detailed credit memos and present recommendations to the credit committee.
- Structure and negotiate credit facilities including term loans working capital trade finance and real estate-backed loans.
- Credit Analysis: Assess creditworthiness by analysing borrowers financial statements cash flow projections and risk factors.
- Perform thorough due diligence on borrowers guarantors and collateral.
- Loan Document Review: Conduct thorough reviews of loan documentation to identify risks and ensure compliance with legal and organizational requirements.
- Financial Statement / Ratio Analysis: Analyse key financial ratios trends and statements to provide recommendations on lending decisions.
- Corporate/FI Onboarding: Collaborate with internal stakeholders to ensure smooth onboarding of corporate clients and financial institutions while maintaining compliance standards.
- Collaboration: Partner with relationship managers to design client-specific solutions.
- Proven experience with commercial and wholesale loans including loan structures and risk assessment methodologies.
- Strong understanding of commercial/wholesale banking products such as term loans trade finance and CRE lending.
- Expertise in financial modelling cash flow analysis and debt capacity assessment.
- Familiarity with credit scoring systems loan documentation and collateral management.
- Proficiency in credit analysis including financial statement interpretation and ratio analysis.
- Ability to assess cash flows and financial trends to support sound lending decisions.
- Expertise in reviewing and interpreting loan documentation to identify and mitigate associated risks.
- Perform comprehensive credit assessments including financial analysis business evaluation peer benchmarking and ESG review with emphasis on corporate clients.
- Prepare underwriting papers credit notes renewal proposals and new-money requests by synthesizing borrower financials sector data and internal risk guidelines.
- Contribute analytical insights during deal discussions and credit committee/approval forums.
- Support Business with financial spreading data verification documentation checks and portfolio-related queries.
- Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms.
- Monitor portfolio performance through covenant tracking exposure review early-warning indicators and adherence to approval conditions; escalate deviations when required.
- Conduct sector and counterparty research including climate-risk and sustainability-related assessments.
- Tenured professionals to lead the credit underwriting team by allocating work reviewing outputs coaching analysts and enhancing overall credit-writing capability.
- Provide guidance on deal structuring and collaborate with RMs Risk Legal and Operations to finalise covenants terms and execution requirements.
- Maintain clear communication with business risk and support teams to ensure smooth and controlled credit execution.
Key skills required:
- Minimum relevant experience of 3 Years in credit domain.
- Advanced financial analysis credit ratios cash-flow evaluation lending structures
- Financial modelling excel proficiency data validation
- Credit policy interpretation documentation governance controls
- ESG and climate-risk assessment exposure
- Stakeholder management negotiation and team guidance (for senior levels)
- Postgraduate degree or professional qualification preferred (CA / CFA / FRM).
- Strong grounding in credit analysis financial ratios corporate finance and banking products.
- Deep familiarity with credit controls documentation standards governance and audit-focused processes.
- Understanding of ESG/climate-risk principles (preferred).
- Strong analytical and decision-making skills.
- Excellent verbal and written communication skills.
- Ability to work under pressure and manage multiple priorities.
Required Experience:
Manager
Key Skills
About Company
Deloitte Touche Tohmatsu Limited, commonly referred to as Deloitte, is a multinational professional services network. Deloitte is one of the "Big Four" accounting organizations and the largest professional services network in the world by revenue and number of professionals with headq ... View more
