Commercial Portfolio Management-Gurgaon

Role & responsibilities

Experience

Please share your cv at surbhi.malhotra@nlbtech.com

-Evaluate financial performance of companies /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 period.

-This would include review of various financial statements, such as balance sheet, income statement,

cash flows, and statement of changes in equity.

- Perform market research using various third-party applications and compare performance of borrowing

entity against market data to draw conclusion of overall performance.

- Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank's credit guidelines.

- 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.

- Quality check of work performed by junior team members and provide appropriate feedback on the

same.

- Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking

workload planning as well.

- Understand the feedback received from the onshore team members and disseminate the same to the team.

- MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post-

graduation in Economics.

-overall commercial credit experience across diversified asset class (includes

corporate entities and real estate asset class).

- Good knowledge 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).

-Knowledge of credit products like BLOC, Revolving credit facility, Auto Floor Plan line of credit, commercial mortgage, term facilities, subordinated notes etc.

- Working experience on credit lens, LoanIQ, Salesforce - nCino, scorecard models etc.

Please share your profile at surbhi.malhotra@nlbtech.com