Analyst II - Credit Risk Management -RAS at Wipfli Advisory LLC

Bengaluru, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

12 Mar, 26

Salary

0.0

Posted On

12 Dec, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Management, Credit Analysis, Loan Review, Regulatory Compliance, Analytical Skills, Communication Skills, Detail-Oriented, Self-Motivated, Team Player, Microsoft Excel, Microsoft Word, Microsoft Outlook, Adobe, Commercial Lending, Agricultural Lending, Real Estate Development, Construction Lending

Industry

Business Consulting and Services

Description

Overview Roles and Responsibilities: Operate with moderate supervision to own assigned work. Apply firm methods reliably, coordinate with the in-charge, and contribute to planning while maintaining high standards of documentation and timely communication. Meet quantitative expectations of charge time and utilization (1,725 hours for a total of 75% of time worked) 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. Analyze 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. Escalate findings and concerns promptly. 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. Able to research basic technical issues and transfer knowledge learned to others. Adhere to the work plan defined by the Senior/Manager. Deliver high-quality work product and assist other team members within the service line. Able to in-charge small or non-complex engagements with minimal oversight or intervention. Effective participation in calls with the onshore (US) team to discuss team progress, quality and productivity. Timely resolution of review notes to adhere to project deadlines for client deliverables. Review notes are resolved on the first pass with little to no rework Support the team 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. Minimum 5 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 an added advantage. Prior experience of working with an overseas team is essential. Skills and Abilities: Good spoken and written English Strong analytical skills and critical thinking ability Self-motivated and detail-oriented Strong desire and capacity to learn Able to model proactive communication, demonstrate personal accountability, prioritize technical and soft-skill development. Ability to plan and prioritize multiple projects, follow through on requests, take initiative, work under pressure and meet deadlines. Experience of being the in-charge for small or non-complex engagements Able to generate quality work products in a timely manner with strong attention to detail. Demonstrate self-accountability. Able to communicate well with team members across US and India. Ability to grasp new things quickly and apply learnings Team player with strong interpersonal and communication skills - a reliable, open, and positive member of the group Good knowledge of Microsoft Outlook, Excel and Word, and Adobe. Prior experience with CaseWare or DiCom CQS is a plus.

Responsibilities

The Analyst II will review commercial loans to ensure compliance with credit standards and company policies. They will analyze credit risks and document compliance with lending procedures and regulations.