Senior Analyst - Operations

Stellar Innovations; Bengaluru; On-site; INR 500,000 - 700,000; Full time

Job summary

Stellar Innovations in Bengaluru, Karnataka seeks a finance professional to consult with potential borrowers, collect documents, assess creditworthiness, and structure loans within approved authority. The role requires attention to regulatory compliance and accurate financial analysis.

The position involves engaging clients, gathering data, calculating risk metrics, and negotiating favorable loan terms while ensuring adherence to applicable lending standards.

Qualifications

• Meet with prospective borrowers to discuss financial needs and recommend products.
• Collect essential financial documents such as tax returns and pay stubs.
• Evaluate creditworthiness using DTI and LTV to assess risk.
• Negotiate terms, rates and repayment schedules within authority.
• Ensure all applications and agreements comply with lending regulations.

Responsibilities

• Meet with borrowers to discuss financial needs and offer suitable loan options.
• Gather required documents during data collection phase.
• Analyze credit risk using DTI and LTV calculations.
• Structure loans by negotiating terms and repayment schedules.
• Monitor compliance with federal/state/institutional lending rules.

Skills

Client Consultation

Data Collection

Financial Analysis

Loan Structuring

Compliance Tracking

Job description

Role & responsibilities

• Client Consultation: Meet with prospective borrowers to discuss financial needs, explain loan options, and recommend appropriate products.
• Data Collection: Gather essential financial documents, including tax returns, pay stubs, and credit reports.
• Financial Analysis: Evaluate creditworthiness by calculating debt-to-income (DTI) and loan-to-value (LTV) ratios to assess risk.
• Loan Structuring: Negotiate terms, interest rates, and repayment schedules within individual lending authority.
• Compliance Tracking: Ensure all applications and agreements adhere to federal, state, and institutional lending regulations. [1, 2, 3, 4, 5]

Preferred candidate profile