Manage client engagements in credit risk management, ensuring compliance with policies, leading teams and mentoring junior staff while analyzing commercial loans.
Roles and Responsibilities:
Essential Qualifications and Experience
Skills & Abilities:
- Lead client engagements end-to-end integrating outputs across teams, managing expectations and mentoring junior talent to uplift execution quality.
- Meet quantitative expectations of charge time and utilization (1,560 hours for a total of 68% of time worked)
- Serve as primary contact for client engagements assigned and maintain regular communication with the onshore team and/or client/relationship executive for streamlined client experience.
- Effectively plan, allocate tasks and manage work teams of 3 or more associates on engagements to meet client deliverable timeframes with delivery of high-quality work product.
- Review a sample of commercial loans of financial institutions to ensure that acceptable credit standards are maintained and that loans conform to established company policy and any applicable regulatory requirements.
- Analysis of the credit risks within individual commercial loans and commercial mortgages and opine on the appropriateness of risk grades for the loans reviewed.
- Review documentation relating to origination and renewals, collateral, insurance, flood certification(s) etc. Document compliance with loan policies, lending procedures and applicable regulations with the application.
- Document observations, deviations that need to be discussed with the client.
- Conduct activities consistent with established banking policies, procedures and systems, Bank Secrecy Act and all applicable State and Federal laws and regulations in the United States of America.
- Manage performance and build a diverse, high-trust team culture. Provide guidance, coaching and actionable feedback to junior team members and serve as the first point of contact for their questions.
- Effectively lead calls with the onshore (US) team to discuss team progress, quality and productivity.
- Champion continuous improvement and work with leadership to implement ideas.
- Support the team and manager in providing other risk advisory services to financial services and other industry clients as required.
Essential Qualifications and Experience
- Master's or Bachelor's degree in accounting or finance (M. Com/B. Com/MBA). Major in Banking would be a plus.
- 6- 8 years of experience in the banking industry with a focus in lending, credit analysis and loan review.
- Knowledge and experience in US banking industry with good knowledge of applicable rules and regulations is strongly preferred.
- Good knowledge and understanding of business banking and commercial loan products and lending credit policies/guidelines.
- Working knowledge of commercial lending, agricultural lending, real estate development and construction lending, and the required collateral documents for each type.
- Experience in regulatory compliance for US based financial institutions is preferred.
- Experience managing multiple projects from start to end, demonstrating ownership of projects
- Experience in people development, stakeholder management, escalation management, and ability to communicate effectively with other leaders, both internally and externally.
- Prior experience of working with overseas team is essential.
Skills & Abilities:
- Good spoken and written English
- Strong analytical skills and critical thinking ability
- Self-motivated and detail-oriented
- Strong desire and capacity to learn
- Strong leadership skills with self-accountability
- Ability to develop people and client relationships
- Ability to plan and prioritize multiple projects, follow through on requests, take initiative, work under pressure and meet deadlines.
- Able to generate quality work products in a timely manner with strong attention to detail.
- Able to communicate well with team members and leaders across US and India.
- Ability to grasp new things quickly and apply learnings
- Team player with strong interpersonal and communication skills
- Good knowledge of Microsoft Outlook, Excel and Word, and Adobe.
- Prior experience with CaseWare or DiCom CQS is a plus.
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