Credit Underwriters

**Job Title: Credit Underwriter**

**About Us**
- “Capco, a Wipro company, is a global technology and management consulting firm. Awarded with _**_Consultancy of the year in the _**_British Bank Award_**_ and has been ranked _**_Top 100 Best Companies for Women in India 2022 by _**_Avtar & Seramount_**_. With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery. _

**_WHY JOIN CAPCO?_**

You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry.

**_ MAKE AN IMPACT_**

Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services.

**_ #BEYOURSELFATWORK_**

Capco has a tolerant, open culture that values diversity, inclusivity, and creativity.

**_ CAREER ADVANCEMENT_**
- With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands._

**_ DIVERSITY & INCLUSION_**
- We believe that diversity of people and perspective gives us a competitive advantage._

**MAKE AN IMPACT**

**Job Title: Credit Underwriter**

**Role Summary**:
**Credit Underwriters**
- Undertake high quality industry, competitor, ESG and client level financial analysis for Global Banking (GB) and Commercial Banking (CMB) Relationship Management (RM) Team.
- Analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs.
- Preparing credit analyses in support of new and existing business relationships.
- Support the RM team in the continuous collection, capture and analysis of key data and information related to GB/CMB client’s emissions-intensive activities, climate commitments and low-carbon business initiatives and transition and physical risks to help build a thorough understanding of each client’s plans to transition to net zero emissions over time.
- Personally develop and maintain strong working relationships with GB & CMB Relationship Managers / Associates along with executives in Risk to ensure that all risks to the business, financial and non-financial, are properly recognized and thoughtfully mitigated in proposals.
- Ensure that all work is delivered within agreed timeframes, PLAs and meets the required high quality standard.
- Understand and comply with all relevant policies, FIM guidelines and procedures issued by the Group.
- Pro-actively suggest and design improvements in process workflow, where applicable.
- Communicate clearly with team members and other parts of GBM as required.
- Maintain internal control standards.
- Investigate credit records to evaluate customer history and decision
- Analyze previous underwriting decisions to identify trends, risk patterns, and areas for process improvement.
- Conduct comprehensive credit risk assessments, utilizing financial statement analysis, credit scoring models, and historical delinquency data
- Need to implement the Group Compliance Policy, as applicable to their role.
- Need to be aware of the Operational Risk scenario associated with their role, and to ensure that all actions during their employment with the client and take account of the likelihood of operational risk occurring.
- Adhering strictly to compliance and operational risk controls in accordance with the Client and regulatory standards, policies and practices; reporting weaknesses, compliance breaches and operational loss events.
- However, depending on the relevant experience, skill and competence, he or she can be given additional responsibilities like undertaking quality checks, mentoring and training new joiners etc.

**Requirements**:

- C.A. / CFA / MBA Finance, Economics or equivalent is essential and any professional qualification is desirable.
- 0 to 6 years of relevant experience in Credit Analysis.
- Sustainability knowledge is an advantage
- Highly proficient at Excel and Word.
- Excellent verbal/written communication skills in English, proficient in credit writing in English, hard-working, organized, diligent, and above all a good team player