Assistant Manager | Credit Underwriting | Bengaluru | Regulatory & Financial Risk

Deloitte · ✓ Verified company
📍 Pune, India · On-site · Full-time

About the role

The team   Deloitte Strategy, Risk & Transaction helps entities mitigate risk while discovering new opportunities to create value. Our end-to-end risk services span all domains, from managing strategic risks in the C-Suite to improving board oversight, and from balancing financial and environmental policies to addressing cyber threats. Learn more about Risk, Regulatory & Forensic)   Your work - Evaluate loan applications for commercial and wholesale banking clients, ensuring adherence to internal credit policies, risk appetite, and regulatory frameworks (e.g., Basel III). - Prepare detailed credit memos and present recommendations to the credit committee. - Structure and negotiate credit facilities, including term loans, working capital, trade finance, and real estate-backed loans. - Credit Analysis: Assess creditworthiness by analysing borrowers’ financial statements, cash flow projections, and risk factors. - Perform thorough due diligence on borrowers, guarantors, and collateral. - Loan Document Review: Conduct thorough reviews of loan documentation to identify risks and ensure compliance with legal and organizational requirements. - Financial Statement / Ratio Analysis: Analyse key financial ratios, trends, and statements to provide recommendations on lending decisions. - Corporate/FI Onboarding: Collaborate with internal stakeholders to ensure smooth onboarding of corporate clients and financial institutions, while maintaining compliance standards. - Collaboration: Partner with relationship managers to design client-specific solutions. - Proven experience with commercial and wholesale loans, including loan structures and risk assessment methodologies. - Strong understanding of commercial/wholesale banking products, such as term loans, trade finance, and CRE lending. - Expertise in financial modelling, cash flow analysis, and debt capacity assessment. - Familiarity with credit scoring systems, loan documentation, and collateral management. - Proficiency in credit analysis, including financial statement interpretation and ratio analysis. - Ability to assess cash flows and financial trends to support sound lending decisions. - Expertise in reviewing and interpreting loan documentation to identify and mitigate associated risks. - Perform comprehensive credit assessments, including financial analysis, business evaluation, peer benchmarking, and ESG review, with emphasis on corporate clients. - Prepare underwriting papers, credit notes, renewal proposals, and new-money requests by synthesizing borrower financials, sector data, and internal risk guidelines. - Contribute analytical insights during deal discussions and credit committee/approval forums. - Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries. - Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms. - Monitor portfolio performance through covenant tracking, exposure review, early-warning indicators, and adherence to approval conditions; escalate deviations when required. - Conduct sector and counterparty research, including climate-risk and sustainability-related assessments. - Tenured professionals to lead the credit underwriting team by allocating work, reviewing outputs, coaching analysts, and enhancing overall credit-writing capability. - Provide guidance on deal structuring and collaborate with RMs, Risk, Legal, and Operations to finalise covenants, terms, and execution requirements. - Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution.     Key skills required:  - Minimum relevant experience of 5 Years in credit domain. - Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures - Financial modelling, excel proficiency, data validation - Credit policy interpretation, documentation governance, controls - ESG and climate-risk assessment exposure - Stakeholder management, negotiation, and team guidance (for senior levels) - Postgraduate degree or professional qualification preferred (CA / CFA / FRM). - Strong grounding in credit analysis, financial ratios, corporate finance, and banking products. - Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes. - Understanding of ESG/climate-risk principles (preferred). - Strong analytical and decision-making skills. - Excellent verbal and written communication skills. - Ability to work under pressure and manage multiple priorities.