Credit Analyst - Real Estate (Fundraising & Financial Modeling Omicron

3.0 - 5.0 years

4 - 7 Lacs

Pune

Work from Office

We are looking for a highly motivated and detail-oriented Credit Analyst with hands-on experience in financial modeling and fundraising for real estate projects. This role is crucial in evaluating project viability, supporting funding efforts, and collaborating with lenders and investors. The ideal candidate should possess a strong understanding of real estate finance, credit risk, and project evaluation frameworks. Key Responsibilities: Financial Modeling & Analysis Build and manage comprehensive financial models for real estate projects, including revenue forecasts, cost estimations, cash flow projections, IRR, ROI, and break-even analysis. Conduct scenario and sensitivity analyses to assess the financial health and viability of projects under varying conditions. Credit Assessment Perform credit analysis for the company and individual projects. Evaluate financial statements, assess debt-servicing capacity, and prepare credit notes for internal and external stakeholders. Fundraising & Investor Collateral Prepare detailed Information Memorandums (IMs) , investor presentations, teasers, and loan proposals tailored for banks, NBFCs, and private investors. Support due diligence processes and respond to investor queries. Liaison with Lenders Engage with banks, NBFCs, rating agencies, and institutional investors for fundraising initiatives. Facilitate documentation, compliance, and disbursement processes in coordination with legal and finance teams. Project Feasibility & Evaluation Conduct project-level feasibility assessments, incorporating factors like sales velocity, construction timeline, funding requirements, and regulatory implications. Support decision-making on new launches, land acquisition, and joint development opportunities. Market Research & Benchmarking Track real estate funding trends, benchmark debt/equity structures, and monitor market-based interest rates and financial covenants. Stay updated on RERA and regulatory developments affecting funding strategies. MIS & Reporting Maintain dashboards and reports on fundraising status, loan covenants, disbursement schedules, and financial metrics. Provide timely updates to senior management on project financials and funding pipelines. Qualifications & Requirements: Bachelors or Masters degree in Finance, Accounting, Economics, or a related field (CA or MBA Finance preferred). 3 to 5 years of relevant experience in credit analysis, financial modeling, or project finance, preferably within the real estate or infrastructure sectors. Advanced proficiency in Excel and financial modeling. Strong analytical and problem-solving skills with a good understanding of project finance concepts. Effective communication and presentation skills, with the ability to work independently and manage multiple priorities. Preferred Skills Prior experience in real estate project modeling, including sales-linked inflows, construction-linked outflows, and structured drawdowns. Familiarity with lender expectations, term sheets, and financing instruments. Working knowledge of RERA, stamp duty regulations, and real estate-specific financial nuances

Posted 6 days ago

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