Commercial Banking: Loans & Advances Genpact supports the global and capital markets divisions of large commercial finance companies and banks with research and analysis of interest rate movements, mortgage pricing, term structure analysis, industry and economic reports, currency movements, portfolio allocation, underwriting and surveillance of financing in the structured products domain. We also provide coverage in the area of financial spreading and covenant monitoring. The analytics support provided helps clients take strategic actions on their portfolio mix, sell, buy and hold decisions, credit decision, and predictive reporting. Our Approach Genpact uses its domain expertise and analytics capabilities to help organizations make well-informed business decisions at every stage in the process. We offer a complete range of services to support the loan and advance value chain from package review and underwriting through booking, insurance, taxes, cash applications, customer servicing, portfolio servicing, collections through the final payoff. Key services include: Credit Products: Genpact helps companies manage their financial needs by providing funding advice to meet short term and long term financing requirements. The deal cycle starts when we approach a client to obtain an understanding of their financial needs and continues through the stage of monitoring and closure of the credit facility. Surveillance and monitoring comprise an integral part of the entire deal cycle. Genpact supports the surveillance activity by providing financial spreading services. The team also monitors financial covenant which ensure the terms of contract are adhered to and prepares capitalization and debt charts to enable the tracking of financials more closely. Structured Products: Genpact supports funding initiatives of specialty finance companies. This service revolves around due diligence, loan disbursal and periodic monitoring of the financial health of these specialty companies. We have developed competencies through the various stages of the deal cycle and provide support in loan and credit underwriting and financial modeling. Post the disbursal, we provide detailed monthly and quarterly surveillance covering credit quality, liquidity and profitability analysis. Genpact also supports the creation of credit packages, concentration and delinquency analysis etc. With respect to structured products, we provide support in building structured products pricing models and term structure models.