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Hii fishes, help me choose the right company.
Yoe- 10.4 tech stack - Big data engineer with Spark scala.
Cognizant 20lpa(18.5fix)
Wipro 27lpa(23fix)
Globant 28fix
Citi Bank 29ctc(25fix)
I am looking for better work life balance and job security.
IBM
Infosys
Tata Consultancy
Tech Mahindra
Nagarro
Accenture
HCL Technologies
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Hi fishes, I have only 4 days left in notice period. Please guide me which one to join in terms of WLB, Job Security, Long term stay. Year of experience 10 years
1. Schneider electric
2. Harman international
3. Nagarro
4. Fidelity National financial
Harman Schneider Electric Nagarro Fidelity national financial india
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Can you also elaborate more about these clients (Revenue size and EBITDA) you process these loans for? Do you sit within Large Corporate, Commercial Bank, Business Banking or Lower? What type of facilities are you also processing? Revolvers, Term Loans, and Bridge facilities?
Just to be clear, it was hard to gather from above (bcuz you mentioned you do similar functions) if you are reviewing and processing applications but not drafting Credit Memos or are you running the analysis? Or are you actually underwriting these loans? Or if you sit in operations and work with loan bookings once these Credit Memos are approved?
Ah ok understood. I think that’s where the difficult part lies with where your experience is to being able to attract employers for their credit risk or underwriting positions. You should also try to get an understanding of what type of area you want to be a credit underwriter for as well.
Your resume should most likely in some way incorporate details as to what underwriters do, ie manage a portfolio of clients, prepare or assist in CAM underwriting credit facilities for x type of transactions, risk rate / spread financials, participate in approval committee discussions on transactions, perform returns analysis to understand economics of transactions, partner with product teams on potential prospects, and etc. Try to see if you can gather some bullet points from above and add that to your resume, this can help potential recruiters pinpoint that you’ve indeed been a part of underwriting / credit risk roles. Hope this helps!
How many YOE, what is your current location, what does your current role entail?
With my current role I do some similar functions as a credit analyst or an underwriter but have been unable to Land a role in that field. If your free to chat I’d love to discuss with you and get some feedback.
What about internal movement to a credit analyst role? I think it’s always easier to be promoted internally versus finding new role
Agreed with CA 1, try to express interest with the group as well and let them know you’d like to move into the role as well. Try to get an idea on track to see if people have made that switch before.
You should also try to see if there are any internal training modules or curriculum for you to brush up on and learn the credit applications internally. If you’re able to express the drive that you’re willing to do this on your own, it speaks volumes with interest traction.
If possible, try to see if you can also sign up for external vendors or learn more about the underwriting process, try to see if you can get a hold of credit risk fundamentals or read reports from Moodys/SnP as well to get an idea what a credit mindset/perspective is like. All this will bode well for preparations for interviews and help conduct a good dialogue.
Happy to help! Feel free to PM me.
Thank you!
also happy to help review as well, please feel free to PM too
Yes, thank you will do!