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Vice President - Structured Credit and Real Estate Underwriting

India, Mumbai · Job Posted March 21, 2025

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Job Description

The Vice President position will hold a critical role within the Structured Credit and Real Estate Underwriting (SCREU) team administering a multi-billion dollar portfolio of asset securitization transactions primarily across the ABS and CLO asset classes (including auto, credit card, unsecured consumer loans, middle market, private credit and broadly syndicated loans). The role is an intermediate-level position responsible for overseeing the work of the juniors, liaising with Origination, other Institutional Credit Management teams, and Independent Risk; conducting credit reviews and monitoring the portfolio to identify credit migration. Developed communication and diplomacy skills are required in order to guide and train juniors and ensure a quality work product. Significant impact on the area through complex deliverables.

Job Responsibility

  • Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
  • Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and make appropriate recommendations with the aim of identifying and mitigating credit risks
  • Provide support to senior team members, lead projects and initiatives, and mentor/train lower level Credit Officers as needed
  • Oversee the work of juniors ensuring a quality product, timely deliverables and assisting with quality control
  • Review servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance, and keep abreast of industry and market trends and customer-specific events
  • Prepare more complex credit approval and assign ratings
  • complete timely annual review and quarterly memos
  • assist in facility renewals and required processes for new deals
  • Assist with special projects including stress testing, portfolio concentration analysis, internal audit & reviews, Risk Rating processes, Credit Policies and Credit Programs across product groups
  • Perform analysis and reporting of Basel parameters
  • Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
  • Perform quality control of the approval memos to ensure accuracy and completeness of input

Requirements

  • 6-10 years of credit, portfolio management or product experience (preferably in structured finance/securitization) in a financial institution, rating agency, financial guarantor, or asset management firm
  • Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
  • Pro-active disposition with ability to work autonomously and within a team
  • Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
  • Strong Microsoft Office skills
  • Modeling experience is a plus
  • Strong attention to detail
  • Oral and written communications skills enabling the candidate to effectively interact with internal and external constituents of all levels
  • The ability to work independently to meet deadlines and initiate ideas with other members of the SCREU team and Independent Risk to mitigate risk

Nice to have

  • On track for internal Senior Credit Officer designation is a plus
  • Master’s degree a plus
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