Business Analyst - Commercial Lending

• Overall experience in Banking Industry: 8+ years (minimum)
• Commercial Banking lending experience, preferably with CRE/IPRE lending experience (5+ years)
o Strong understanding of commercial loan origination and approval process including roles and responsibilities of lenders/relationship managers and underwriters
o Strong understanding of commercial loan types, collateral types, and deal structures
o Strong understanding of related business documentation including term sheets and credit presentations
o Strong understanding of lending regulations
• Commercial underwriting experience (5+ years)
o Understanding of individual and business financial statements including balance sheet, income statement and cash flow
o Understanding of standard financial spreads for individuals and businesses including financial ratios, combined statements and global cash flow
o Familiar with rent rolls, unit mix and net operating statements
o Understanding of covenants, covenant calculations, tracking, and testing
o Familiar with credit approval process, authorities and controls
o Familiar with risk rating, PD (Probability of Default) and LGD (loss given default)
• Strong organizational and project management skills
• Proficient with Excel, Word, PowerPoint
• CreditLens certification (good to have); Candidate must be willing to pursue and complete certification process through Capgemini.
• High-level knowledge of software configuration and implementation
• Strong communication skills and comfortable working with senior level executives
• Commercial contract experience
• People management experience

Capgemini is an Equal Opportunity Employer
Encouraging diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, national origin, sex, gender identity or expression, age, religion, disability, sexual orientation, genetic information, citizenship status, veteran status, marital status, or any other characteristic protected by applicable law.
This is a general description of the duties, responsibilities and qualifications required for this position. Physical, mental, sensory, or environmental demands may be referenced in an attempt to communicate the manner in which this position traditionally is performed. Whenever necessary to provide individuals with disabilities an equal employment opportunity, Capgemini will consider reasonable accommodations that might involve varying job requirements and/or changing the way this job is performed, provided that such accommodations do not pose an undue hardship.
Capgemini is committed to providing reasonable accommodations during our recruitment process. If you need assistance or accommodation, please get in touch with your recruiting contact.