Credit Analyst

About Company

specialized real estate investment firm

SEBI-registered Category II Real Estate Alternative Investment Funds (AIFs)

About the role:

Credit Analyst

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&aposll 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, property appraisals, and other relevant data to assess the financial health of borrowers and the viability of real estate projects.

• Debt Structuring and Syndication

  : Design loans that suit the borrower&aposs needs, prepare loan agreements and terms, collaborate with other lenders to share the loan.

• Due Diligence

  : Perform due diligence on potential borrowers and properties, including site visits, legal document reviews, and title searches.

• 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 1-3 years of experience in real estate finance, structured finance, debt syndication, NBFCs, AIFs, or private credit
• CFA ( All levels Cleared ) or MBA (in finance) or CA.