8 Credit Reports Jobs

The job involves working on detailed financial models and drafting credit reports. Candidates are required to have a strong understanding of financial analysis concepts and excellent communication skills. The role may involve working independently or as a team lead with 2-4 analysts, depending on experience and alignment with team needs. Responsibilities: - Analyzing loan opportunities across various sectors and geographies - Creating concise and easy-to-read credit reports with key insights for review by credit and risk teams - Developing detailed financial models including transaction details, financial statement analysis, projections, ratio analysis, and credit metrics - Conducting sensitivity analysis for stress testing on loan serviceability - Identifying deal-specific covenants as early warning signals for loan monitoring - Conducting industry and market studies to understand borrower's operating environment - Interacting with clients to address data gaps, inconsistencies, and analytical frameworks Desired Skills: - Thorough understanding of accounting and financial concepts - Experience of 6+ years in relevant roles - Strong communication skills for interaction with Debt Directors, clients, and stakeholders in the UK and/or US - Proactive, flexible, creative, result-driven, responsible, curious, team player, and fast learner - Hands-on attitude with the ability to understand the big picture - Adaptability to a fast-paced work culture with a focus on change and speed - MBA/PGDM/CA/CFA qualification from a reputable institute,

The Senior Loan Officer position at North 24 in Hyderabad, India requires a seasoned professional with over 5 years of experience in handling various types of loans including personal, home, auto, business, education, and mortgage loans. As a Loan Officer, your responsibilities will include assessing loan applications, managing client portfolios, ensuring compliance, and facilitating disbursement processes. You will need to evaluate creditworthiness, verify documentation, calculate eligibility, and coordinate with underwriting teams to provide tailored loan solutions to clients. Collaboration with banks, NBFCs, and internal credit teams is crucial to ensure smooth disbursements while adhering to RBI guidelines, internal policies, and legal documentation. Building and managing a pipeline of high-quality clients through referrals and outbound efforts is essential. Additionally, maintaining records, generating reports, tracking loan performance, offering post-disbursement support, and providing customer service are key aspects of the role. The ideal candidate should possess a minimum of 5 years of experience in loan processing or sales across multiple loan products. Strong knowledge of financial documentation, credit reports, and underwriting norms is required. Excellent interpersonal and communication skills, along with the ability to work independently and collaboratively in a fast-paced environment, are essential. Knowledge of the local markets in Hyderabad is considered an advantage. Proficiency in MS Office, CRM tools, and loan management systems is also necessary. Candidates must hold a Bachelor's degree in Finance, Business Administration, or a related field. An MBA/PGDM is a plus. In return, North 24 offers a competitive salary, performance-based incentives, opportunities for career advancement, health insurance, ESI benefits, and a collaborative work culture. To apply for the Senior Loan Officer position in Hyderabad, please send your CV to hr.manager@exxeella.com with the subject line "Application for Senior Loan Officer Hyderabad".,

As a Senior Underwriter in the Residential Mortgage industry, you will be part of the Shared Services function that aims to deliver operational support to Business Units within the organization. Your role will involve reviewing and verifying loan applications, analyzing loan risks, ensuring compliance with regulatory standards and company policies, and communicating loan conditions to stakeholders. Additionally, you will be responsible for identifying portfolio risks, documenting loan decisions, and performing other tasks as assigned by your manager. To excel in this role, you should possess a strong understanding of mortgage guidelines and policies for various loan types such as VA, FHA, Client, FHLMC & USDA. Your expertise should include analyzing qualifying income from tax documents, credit reports, and bank statements, as well as experience in both automated underwriting systems (AUS) and manual underwriting methods. Familiarity with fraud detection tools and industry-standard loan origination systems like Encompass, BytePro, Calyx, Empower, or Lending QB is preferred. The ideal candidate will have at least 5 years of recent US Mortgage underwriting experience, with a background in compliance review, disclosures preparation, closing, and due diligence within the residential mortgage sector. You should stay updated on mortgage policies, compliance laws, and regulatory changes, including TRID, to ensure accurate and efficient underwriting processes. Your commitment to quality, excellent time management skills, and ability to work independently while meeting deadlines will be crucial for success in this role. As a Senior Underwriter, you must demonstrate professionalism, attention to detail, superior communication skills, and proficiency in Microsoft Office applications. This role requires you to work under pressure, adhere to company policies, and maintain a positive attitude while delivering exceptional customer service. This position is based in the office, with working hours aligned with the US time zone (India Night Shift). If you are seeking a challenging opportunity to leverage your underwriting skills in the residential mortgage industry, this role offers a dynamic environment where you can contribute to the success of the organization while ensuring compliance and quality in loan processing.,

As a Team Lead in credit risk assessment for a US bank, you will be responsible for leading a team of 4-6 analysts specializing in the evaluation of (i) Commercial Real Estate (CRE) loans and (ii) Commercial and Industrial (C&I) loans. Your primary focus will be on CRE expertise, with C&I knowledge considered an additional asset. Your role will involve overseeing the analysis and reports prepared by analysts, as well as engaging with clients regularly to discuss analytical aspects of the work and project pipeline. Key responsibilities include conducting research and assessment of the credit strength of CRE and C&I entities. For candidates with CRE experience, your background should include tasks such as sourcing updated operating statements, rent rolls, and valuation reports. Proficiency in financial spreading tools like Sageworks, conducting CRE cash flow analysis, and preparing detailed credit reports is essential. Familiarity with tools such as CBRE, CoStar, RCA, REIS, Moodys CMM, as well as knowledge of Intex and Bloomberg, will be advantageous. For those with C&I experience, in addition to the above requirements, responsibilities will include spreading financials (Audit, Business Tax Returns, Personal Tax Returns, etc.) using tools like Sageworks and CreditLens. You will also analyze and calculate qualifying income from various tax documents like 1040s, Schedule E, 1065, 1120, 1120S, K1, and transcripts. Understanding tools like nCino, Salesforce, RMA reports, as well as knowledge of Intex and Bloomberg, will be beneficial. Furthermore, you will support franchise building activities by contributing to the writing of blogs and articles. Education and Experience: - Minimum Educational Qualification: CA/ MBA/ CFA/ FRM - Minimum Experience Required: 7+ years of work experience, with a preference for candidates with relevant expertise in CRE and C&I credit risk assessment.,

As the Credit Control Manager, you will play a crucial role in managing the credit approval process for new customers, collaborating closely with the Sales and Accounts Receivable teams. Your responsibilities will include evaluating customer creditworthiness through financial analysis, credit reports, and internal scoring tools. You will oversee daily credit control operations, such as debt collection, account reviews, and risk monitoring. Monitoring aged debt reports, identifying high-risk accounts, and handling disputed invoices will be part of your daily tasks. One of your key duties will be to develop and maintain credit risk reporting, dashboards, and key performance indicators (KPIs) for senior stakeholders. Ensuring adherence to company policies, regulatory standards, and audit requirements will be essential. You will be responsible for maintaining accurate documentation and customer records related to credit decisions and collection actions. Additionally, you will lead initiatives for continuous improvement in credit control processes and systems. To excel in this role, you should hold a degree in Finance, Accounting, Business, or a related field. Possessing a relevant professional qualification will be advantageous. With at least 8 years of experience in credit control, credit risk, or accounts receivable management, you should have a strong background in customer onboarding, credit evaluation, and collection processes. Experience collaborating with sales and finance teams in a commercial setting is crucial. Your skills and competencies will be vital to your success in this role. Strong analytical and decision-making skills are necessary, along with a deep understanding of credit risk principles and compliance requirements. Proficiency in negotiation, dispute resolution, and stakeholder management is essential. Familiarity with credit management systems, ERP platforms, and Excel is required. Effective communication and leadership skills, coupled with a proactive, solution-focused approach, will be key to driving success in this position.,

You will work with a team of onshore analysts to cover the credit portfolio of corporates in UAE, GCC, and international markets. Your responsibilities will include preparing opinion-based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies. The credit assessment process will involve researching and analyzing entities, assessing their credit strengths and weaknesses, weighing their business and financial risk profile, and considering potential sovereign or parent support. Your tasks will also involve preparing detailed credit assessment reports, discussing company profiles, and analyzing credit risk considerations. Additionally, you will be responsible for creating and updating detailed financial models, conducting financial analysis, capital structure analysis, calculating key credit quality determinants, financial projections (up to 7 years), determining and recommending ratings based on the internal rating framework and methodology. Regular interaction with clients to discuss reports and workflow, supporting clients with ad-hoc research requests, engaging with client teams proactively, suggesting new ideas to enhance client engagement, and training new hires and mentoring juniors in the team are also part of your responsibilities. In terms of functional and behavioral knowledge, you should have experience in deal financial modeling, surveillance, portfolio monitoring, and credit analysis. A good understanding of banking regulations, calculation of key credit metrics, capital ratios, and banks" internal systems is essential. You will be expected to identify and resolve complex research issues and team problems, as well as assisting in solving complex problems related to financial modeling. Interactions will involve working within your team, interacting with other related teams, and communicating with internal and external clients and/or issuers as necessary. Additionally, you will be responsible for mentoring and managing a small team, impacting the quality and effectiveness of your own team.,

Key Responsibilities Prepare comprehensive country profiles that assess political, economic, and banking sectors, along with conducting thorough financial and credit analysis of major financial institutions Draft detailed credit proposals to assess the creditworthiness of financial institutions / companies, recommending appropriate exposure limits and strategies Think critically and analytically to identify key insights from data, market conditions, and trends, and weave these insights into well-structured, cohesive reports Ensure that all reports are well-written, clear, and provide a compelling narrative for the client Stay updated on market trends, political developments, and economic shifts in the regions relevant to your work Meet project timelines and quality of deliverables in a manner to ensure high client satisfaction” Conducting quality control check of the outgoing reports Engage client independently on calls and e-mails Demonstrate strength and experience in client / requester relationship building and management, information / knowledge needs assessment Should be able to work independently with minimal guidance and need to be equally good in multi-tasking Key Competencies 4-6 years of relevant experience in investment banking, credit risk analysis, or financial institutions research Strong understanding of the banking sector, credit analysis, and financial performance metrics Ability to assess financial institutions, analyze business models, and evaluate financial performance using key ratios Strong report writing skills with a demonstrated ability to create clear, concise, and insightful documents Excellent quantitative / analytical skills with the ability to think critically and read between the lines to derive insights Ability to work independently and as part of a team, managing multiple priorities effectively Strong communication skills, with the ability to interact with senior stakeholders both internally and externally Proficiency in financial modelling, valuation methodologies, pitchbooks and other investment banking products would be an added advantage Well versed with Microsoft Office - Word, Excel and Power Point Excellent working knowledge of databases such as Bloomberg, CapitalIQ, Thomson, FactSet, etc. Previous client handling exposure is a must Self-motivated and able to motivate others Effective negotiation skills Ability to work in high-pressure situations Excellent communication skills, both written and verbal Ability to make quick and informed decisions A degree in Finance, Economics, Business Administration, or a related field. Post-Graduation in Finance or equiv. qualification (CFA, MBA (finance), CA or equiv.)

What role you will play in team You will assess the creditworthiness of loan applicants and make informed lending decisions You are critical in mitigating risk for the bank What you will do You will review loan applications analyze financial statements and conduct credit scoring You will also prepare credit reports and make recommendations on loan approvals Key responsibility Review loan applications and associated documentation Analyze financial statements and credit reports Conduct credit scoring and risk assessment Prepare comprehensive credit reports Make recommendations on loan approvals or denials Adhere to bank policies and regulatory guidelines Required Qualification and Skills Bachelors degree in finance accounting or related field