Senior Commercial Banking Portfolio Manager

• Evaluate financial performance of companies / borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the time period
• Review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity
• Perform market research using various third party applications and compare performance of borrowing entity against market data to draw conclusion of overall performance
• Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank’s credit guidelines
• Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees
• Quality check of work performed by junior team members and provide appropriate feedback on the same
• Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking workload planning as well
• Understand the feedback received from the onshore team members and disseminate the same to the team

4+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics
• Atleast 4+ years of overall commercial credit experience across diversified asset class (includes corporate entities and real estate asset class)
• Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance)
• Well versed with Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis
• Working experience with Moody’s Risk Analytics would be a plus
• Experience in assessing credit worthiness of borrower based on various qualitative and quantitative factors
• Excellent communication skills, with special focus on business writing skills for credit reports
• Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources into one prescribed template
• Advanced excel skills would be a plus