Secured Lending Underwriter

2 months ago

Bengaluru, India WELLS FARGO BANK Full time

The work involves performing Financial Analysis, and underlying risk activities for ABL and tech Finance portfolio. Works independently on moderately to complex issues and projects. Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios, trigger monitoring, valuation, trend cards, making suitable amends to the pricing of loans, based on financial performance and other parameters, as per credit policy.

**Around 2-3 years of experience in one or a combination of the following**:
**End to end credit lending services for commercial loans, credit underwriting specialized senior secured financing, accounts receivable financing and purchase order financing to companies and use qualitative and quantitative metrics to arrive at Rating of Borrowers and continuous portfolio monitoring and related tasks.**

**Responsibilities**
- Responsible for performing financial analysis, calculating financial covenants, calculating yield, performing industry analysis, performing revenue analysis, and preparing the financing memorandum
- Responsible for independently handling a variety of complex transactions.
- Works under senior staff on more large and complex transactions
- Has comprehensive product and industry knowledge
- Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios and providing reliable QC of junior team members' work depending on requirement.
- Includes end to end responsibility of completing the request received from client includes financial spreading in credit analysis tool, analyzing financial statements, identification of trend and provide financial commentaries on cause and effect on identified trend as per business requirement
- Based on the financial performance and credit quality of the borrower, make suitable amends to pricing of the commercial loans and document it through the approval chain and adopt continuous monitoring.
- Responsible to complete Pro forma adjustments based on the projected financial information for assigning credit rating for underwriting requests
- Responsible for Industry analysis, Internal and external risk factors of the borrower and should possess superior business writing and effective communication (both verbal and written) skills.
- Should be able to analyze Company's management and equity sponsors' strength & weaknesses.
- Responsible for assessing the repayment capacity of the highly leveraged Borrowers.

**Desired Qualifications**:

- CA/MBA/Equivalent

**We Value Diversity**

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.

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