Bank Loan Coordinator

Job Title: Credit Analyst – Loan Syndication (Real Estate & SME)

Location: Andheri East, Mumbai.

Department: Credit & Syndication

Employment Type: Full-time

Job Summary:

Credit Analyst

Roles and Responsibilities:

1. Credit Appraisal & Analysis:

• Analyze the financial health of real estate developers and individual projects.
• Review project cash flow projections, development timelines, sales velocity, and cost structures.
• Conduct financial statement analysis, assess repayment capacity, and recommend appropriate risk ratings.
• Preparation of CMA data for working capital projects.

2. Real Estate Project Evaluation:

• Assess project feasibility, land acquisition status, approvals, construction progress, and RERA compliance.
• Evaluate market demand-supply dynamics, pricing trends, and location advantages.
• Analyze escrow arrangements, security coverage, and promoter track record.

3. Financial Modeling:

• Prepare and review financial models including DSCR, IRR, and project-level cash flows.
• Conduct scenario analysis based on construction delays, sales slowdown, or cost overruns.

4. Loan Structuring & Syndication Support:

• Assist in structuring term loans, construction finance, lease rental discounting (LRD) facilities and working capital loans.
• Help develop syndication pitch documents, teasers, and information memorandums.
• Work closely with arrangers and lenders to answer queries and provide required due diligence.
• Co-ordinate with the customers for gathering required information for the proposal.

5. Due Diligence & Documentation:

• Participate in site visits, client meetings, and third-party diligence processes.
• Coordinate with legal counsel for documentation related to term sheets, facility agreements, mortgage creation, and charge registration.

6. Portfolio Monitoring & Risk Management:

• Monitor ongoing project performance, sales collections, covenant adherence, and utilization of funds.
• Identify early warning signals such as delays in approvals, construction halts, or market risks.
• Review of actual performance with projections given in CMA data.

7. Internal & External Coordination:

• Liaise with internal teams like risk, legal, compliance, and business development.
• Interface with banks, NBFCs, credit rating agencies, and consultants during the syndication process.

Key Requirements:

Education:

• BCom, BAF, MCom or any other commerce or banking graduate.
• MBA in Finance, CA, Inter-CA, ACCA, CFA, FRM or any other relevant professional (preferred).

Experience:

• 1–5 years of credit analysis experience, preferably in real estate project and SME finance or structured lending.
• Exposure to loan syndication, NBFC lending, AIF lending or real estate investment banking is a plus.

Skills & Competencies:

• Deep understanding of real estate development cycles, risks, and regulations (RERA, DCPR, etc.).
• Strong financial modelling and analytical skills.
• Familiarity with escrow structures, title diligence, construction finance and working capital mechanisms.
• Excellent written and verbal communication skills.
• Ability to manage tight deadlines and multiple stakeholders.

Preferred Attributes:

• Strong commercial judgment and problem-solving ability.
• Team-oriented with a proactive approach.
• Knowledge of local real estate markets and regulatory environment (e.g., municipal bylaws, environmental clearances).
• Hard working, smart working and growth-oriented mindset.
• Ability to take ownership and responsibility of the task assigned.
• Team building and leadership qualities.