- 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 time 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.
- Understand the feedback received from the reviewers and implement the same in their day-to-day work.
- Quality check of work performed by junior team members and provide appropriate feedback on the same.
- MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics.
- - 8 years of 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).
- Good knowledge of Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis. Working experience with Moody's Risk Analytics would be a plus.
- Experience in assessing credit worthiness of borrower based on various qualitative and quantitative factors
- Excellent communication skills, with special focus on business writing skills for credit reports.
- Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources into one prescribed template.
- Intermediary to advanced excel skills would be a plus.
- 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 time 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.
- Understand the feedback received from the reviewers and implement the same in their day-to-day work.
- Quality check of work performed by junior team members and provide appropriate feedback on the same.
-
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Commercial Banking Portfolio Manager - bangalore, India - WELLS FARGO BANK
Description
Functional ResponsibilitiesResponsibility includes, but not limited to:
Responsibility includes, but not limited to:
29 May 2024
*Job posting may come down early due to volume of applicants.
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