Senior Analyst – Payments Credit Underwriting

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Join us at SVB and be part of bringing our clients' world-changing ideas to life. At SVB, we have the opportunity to grow and collectively make an impact by supporting the innovative clients and communities SVB serves. We pride ourselves in having both a diverse client roster and an equally diverse and inclusive organization. And we work diligently to encourage all with different ways of thinking, different ways of working, and especially those traditionally underrepresented in technology and financial services, to apply.

Job Title : Senior Analyst –Payments Credit Underwriting

SVB India is a global delivery center for SVB, the financial partner of the innovation economy and parent of Silicon Valley Bank. SVB India develops products and provides services in finance, banking operations, and technology, and employs more than 800 employees and will be rapidly expanding. Learn more at https://svb.wd5.myworkdayjobs.com/svbankindia.

Job location :Bangalore

Position Overview: 

In order to align with our strategic plans to grow and centralize the underwriting and portfolio management of our cash management product portfolio which includes business credit cards, ACH, letters of credit and FX products, we are adding key underwriting roles to our team. We are looking for the right individual to contribute to this exciting opportunity by supporting some of the most influential entrepreneurs and investors launch and grow their business.  We serve companies in the innovation space including technology, software, fintech, life science, as well as premium wine clients.

About the Job

Primary Responsibilities:

The core responsibility of this position is to underwrite, identify and mitigate credit risk while supporting the bank’s commercial cash management product growth initiatives.  This includes contributing to monitoring and risk management of the full credit risk life cycle, including assessing the credit worthiness of the bank’s new and existing clients, monitoring and performing regular reviews on established performing accounts, as well as recommending and documenting risk mitigation action on credit stressed accounts.

This individual will underwrite and prepare detailed credit presentations on cash management products based on established bank credit policies and procedures.  They will work and collaborate closely with relationship managers, underwriting managers, and senior credit officers to underwrite, prepare, and present credit action recommendations on new and existing accounts.  They may also manage and monitor an assigned portfolio of cash management accounts to ensure all documentation is up to date, and if necessary, any potential risk mitigation action is promptly taken.

Once here you will 

• Independently conduct and/or assist with underwriting due diligence, structuring and documenting of credit recommendations on new and existing case requests for standard credits  

  
  

• Independently monitor assigned cash management product portfolio’s credit quality to ensure proactive and timely risk mitigation action when necessary

  
  

• Prepare thorough and clearly articulated credit presentations with thoughtful and appropriate recommendations following established credit policies and procedures

  
  

• Effectively communicate and collaborate with relationship managers, underwriting managers, and senior credit officers

  
  

• Ensure compliance with relevant banking regulations including but not limited to reg B, reg O, reg W and other fair lending regulations

  
  

Education and Experience

• BS/BA Degree in related fields such as Finance, Accounting, Statistics, Math or Economics an

  
  

• 4+ years of direct relevant work experience

  
  

• Working knowledge of commercial financial statement analysis, portfolio management, banking cash management products

  
  

• Knowledge and understanding of relevant banking regulations including but not limited to reg B, reg O, reg W, ECOA and other fair lending regulations

  
  

• Strong business writing skills

  
  

• Strong professional communication and collaboration skills

  
  

• Ability to multi-task, manage and track numerous cases at a time

  
  

• Ability to learn and quickly digest new information in a continuously changing fast paced environment

  
  

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Equal Employment Opportunity

Silicon Valley Bank is an equal opportunity employer and is dedicated to expanding its commitments and investments to create a more diverse, equitable and inclusive company culture and innovation ecosystem. We are strongly committed to the values and policy of equal employment opportunity across our employment practices.