Credit Analyst

Join Our Team:

At Build Capital, we're looking for talented individuals who share our passion for innovation, expertise and excellence. If you're driven to make a meaningful impact and thrive in a collaborative environment, we want to hear from you.

About the role:

As a Credit Analyst, you will be responsible for evaluating project feasibility, conducting rigorous risk assessments, leading due diligence processes including legal, technical, corporate and financial. A critical part of the role will be negotiating deal terms and structuring deals that align with both developer requirements and investor expectations.

This position is ideal for someone who thrives in a high-accountability environment and is comfortable interacting with senior management, legal and technical advisors and real estate promoters. You'll have the opportunity to work closely with our founding team, contribute to strategic capital deployment decisions, and help shape the future of private debt in Indias real estate sector.

Key Responsibilities:

• Credit analysis: Review financial statements, credit reports, feasibility reports, property papers and other relevant documents to assess the financial health of borrowers and the viability of real estate projects.

• Debt structuring and issue term sheet: Structure investment deals and lead negotiation of commercial terms with developers, including structuring covenants and security packages.

• Due diligence: Hire, negotiate and co-ordinate with due diligence agencies including legal, technical, financial, corporate and forensic. Evaluate past loans and track the financial performance of security providers.

• Risk identification and mitigation: Identify and assess credit risks, suggest strategies to mitigate risks and minimize exposure to ensure sound credit decisions.

• Committee sanctions: Prepare financial models to assess borrowers' creditworthiness and investment committee presentations for internal approvals and decisions.

• Documentation: Post approval from Committee, co-ordinate and manage the end-to-end documentation process including drafting, reviewing and executing sanction letter and security documents.

• Periodical Monitoring: Regularly monitor existing loan portfolios to identify potential credit risks and take necessary actions to mitigate them.

• Relationship management: Build and maintain relationships with developers, investment partners, and internal stakeholders

Required Skills:

• Understanding of real estate project loans and regulatory frameworks

• Data interpretation and Debt transaction structuring

• Conducting Due diligences

• Preparing financing models for sanctioning loans

• Leading negotiations with stakeholders

• Risk mitigation strategies

• Financial covenants tracking

• Excellent communication and stakeholder management skills

• Advanced MS Office (Excel, Word and PowerPoint)

Education and Experience:

• Minimum 0-3 years of experience in real estate finance, structured finance, debt syndication, NBFCs, AIFs, or private credit.

• CFA or MBA (in finance) or ICWA are preferred

Location & Work shifts:

• Location: Prabhadevi, Mumbai

• Working hours: 10am-7pm

• Working days: Monday-Friday, 1st & 3rd Saturday would be working

Contact us to apply:

• Email: talent@buildcapital.in

• For more details, DM us at: 8828813334

• Visit our website: www.buildcapital.in