Job Description

•Genpact (NYSE: G) is a global professional services and solutions firm delivering outcomes that shape the future. Our 125,000+ people across 30+ countries are driven by our innate curiosity, entrepreneurial agility, and desire to create lasting value for clients. Powered by our purpose - the relentless pursuit of a world that works better for people - we serve and transform leading enterprises, including the Fortune Global 500, with our deep business and industry knowledge, digital operations services, and expertise in data, technology, and AI. Inviting applications for Management Trainee/ Domain Trainee, Credit Underwriting•

•In this role, you would be responsible for reading and interpreting loan agreements (approx. 200-300 pages) and summarizing the key information like loan pricing, fees charged, loan amount, etc. and then validating it with the business software to ensure 100% accuracy of the system Responsibilities•

• •Perform KYC Check and Due Diligence Check on Borrowers and Debtors of Client (using LexisNexis)•
• •Verification of Financial Statement, Bank Statement, and Invoice Report•
• •Transaction Analysis based on A/R and A/P Reports•
• •Pull Credit Reports using different Credit Bureaus (D&B, Equifax, Experian)•
• •Perform financial spreading using financial statements (Company Analysis, profiling, Exposure Consolidation)•
• •Calculate Debtor Dilution & Concentration•
• •Manage exceptions•
• •Create a structured template for financial spreading, Credit Analysis, Fraud Score, Borrower Input, etc. in a predefined format•
• •Determine Preliminary Credit Score basis the Financial Spreading, Credit Analysis, Fraud Score, Borrower Input, etc.•
• •Record-Keeping - All the data pulled from Credit Bureaus, Financial Spreading, Fraud Score Template, Borrower Input Template, etc. would be maintained and stored as per instructions of the client•
• •Interact with customers to inform about Credit analysis decisions and gather additional information if required over phone and email•
• •Weekly / Monthly Reporting, Dashboard preparation•
•Qualifications•

•Minimum qualifications•

• •Bachelors degree in accounting/finance•
• •Knowledge of the asset-based lending line of business, borrowing base concepts, and general knowledge of roles/responsibilities of origination, underwriting, portfolio servicing. Knowledge of Credit Analysis, Financial Spreading, Ratio Analysis, Use of Credit Bureaus, Transaction Analysis, etc is mandatory. Banking experience is preferred.•
• •Effective communication and customer service skills both internally and externally focused and verbal and written, speak up and proactively notifies deal team members on updates. Ability to formulate open-ended questions in either verbal or written format•
• •Knowledge of Microsoft applications (Excel, Word PowerPoint)•
•Preferred qualifications•

• •Chartered Accountant/ MBA Finance/ M Com•
•Genpact is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, religion or belief, sex, age, national origin, citizenship status, marital status, military/veteran status, genetic information, sexual orientation, gender identity, physical or mental disability or any other characteristic protected by applicable laws. Genpact is committed to creating a dynamic work environment that values diversity and inclusion, respect and integrity, customer focus, and innovation. Get to know us at genpact.com and on LinkedIn, X, YouTube, and Facebook.•

•Furthermore, please do note that Genpact does not charge fees to process job applications and applicants are not required to pay to participate in our hiring process in any other way. Examples of such scams include purchasing a 'starter kit,' paying to apply, or purchasing equipment or training.• •Job Domain Trainee•

•Primary Location India-Gurugram•

•Schedule Full-time•

•Education Level Bachelor's / Graduation / Equivalent•

•Job Posting Jul 11, 2024, 1:35:15 AM•

•Unposting Date Aug 10, 2024, 1:29:00 PM•

•Master Skills List Operations•

•Job Category Full Time•