Underwriter

Job Profile For Underwriter - Noida Sector 136

Role : Underwriter

Shift : US - Night Shift

Location: Biz2X/Biz2credit

6th Floor, Riana Aurelia, Plot No. 93-94, Sector 136, Noida, UP - 201304

Note: we will consider only mortgage, Commercial, Credit, Lending, Housing

Role & responsibilities

• Work with Relationship Managers in structuring, analyzing, and negotiating credit transactions.
• Responsible for the full-cycle underwriting of assigned small business financing.
• Determine the client's ability to repay financing through analysis of cash flow statements, U.S. tax returns (1120, 1120S, 1065, 1040), and other financial information.
• Perform detailed financial analysis of small businesses, including trend analysis, ratio analysis, and interpretation of financial information to assess credit quality and cash flow adequacy.
• Conduct credit and financial statement analysis of co-owners, guarantors, and individuals to determine asset coverage for requested loan amounts.
• Coordinate with Relationship Managers regarding customer calls and site visits.
• Perform additional due diligence as required to evaluate the creditworthiness of small business owners.
• Open to working in night shifts.

Preferred candidate profile

• Bachelor's/Master's degree in Finance, Accounting, or a related field.Formal credit training preferred.

• 3+ years of experience in commercial credit analysis, commercial underwriting, or underwriting small businesses within a financial institution.

• Strong analytical skills with the ability to read and assess individual and company financial statements, cash flow statements, industry analysis, competitive analysis, and financial projections.

• Proficiency in spreadsheet and word processing applications, particularly MS Excel and MS Word, including the use of graphs and charts.

• Experience working with Moody's Financial Analysis Software.

• Basic knowledge of:

• Credit principles

• Lending operations

• Loan research

• Due diligence searches (SOS, Clear Reports, TLOx/TransUnion)

• UCC filings

• Westlaw/Dockets

• Credit Bureau Reports

• General credit policies

Please send me your updated resume on my email - [email protected]