Job Title:  Manager | Credit Underwriting | Bengaluru | Regulatory & Financial Risk

Manager | Regulatory, Risk & Forensic-Regulatory and Financial Risk | Credit Underwriting

• Location:  Bangalore

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 8 Years of relevant experience 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.