14 Loan Structuring Jobs

As a Product Development and Structuring professional, your primary responsibility will be to design and structure financing products across various categories such as working capital, term loans, supply chain finance, and bespoke structured products. It will be crucial to evaluate customer needs and market trends to ensure that the offerings are competitive and compliant. You will also need to prepare detailed product notes and internal approval documents for review. In terms of Portfolio Management, you will be tasked with managing existing Anchor Group and non-Group clients, with the aim of increasing wallet size within the existing Anchor base. Acquiring new anchors, monitoring product performance, and identifying areas for enhancement will be key responsibilities. Additionally, you will need to manage all Product Programmes in alignment with market requirements and the needs of anchor clients. Market Intelligence and Sales Enablement will also be part of your role, involving benchmarking with peer banks and financial institutions, as well as developing new anchors and product decks for Relationship Managers and client-facing teams. You will provide structuring support to RMs for complex deal proposals to ensure successful outcomes. To excel in this position, you should hold a Masters degree in Business Administration, Finance, Economics, or a related field. A minimum of 2-3 years of experience in the industry, specifically in working capital, term lending, or structured finance, is desirable. Proficiency in credit underwriting, loan structuring, and relationship management is crucial, along with a strong understanding of the North market. Excellent financial acumen, analytical skills, and proficiency in MS Excel, PowerPoint, and basic financial modeling are essential for this role. Effective communication and stakeholder management abilities will also be key to success in this position.,

As a Financial Partnership Manager at Chillax ElectroCool Pvt Ltd, you will play a crucial role in revolutionizing indoor air quality through solar-powered, AI-driven, DC-HVAC systems. Your primary responsibility will be to lead the creation and execution of customer financing programs by collaborating with banks, NBFCs, and financial institutions. Your key responsibilities will include building and managing partnerships with banks & NBFCs, designing financing solutions for both B2C & B2B customers, launching and scaling financing programs with internal teams, and ensuring compliance, risk management, and excellent customer support. To excel in this role, you must have at least 10 years of experience in financial partnerships and lending programs. You should possess a strong network with NBFCs and banks, deep knowledge of loan structuring and credit evaluation, and preferably have prior experience in HVAC, energy-efficient, or sustainable technology. Additionally, exceptional negotiation, relationship-building, and project management skills are essential for success in this position.,

As a Loan Syndication Officer based in Dalhousie, Kolkata, your primary responsibility will be to assist in structuring loan deals that align with client needs and current market conditions. This will involve preparing and reviewing term sheets and credit documentation, as well as developing marketing materials and distributing loans to various participating banks. In this role, you will be expected to manage relationships with lenders and institutional investors, ensuring smooth coordination throughout the end-to-end execution of syndicated loan deals - from negotiations to closing. It will also be crucial to maintain compliance with regulatory requirements and internal policies, while keeping track of loan performance and market trends to provide clients with ongoing support and analysis. The ideal candidate will have a total of 3 years of work experience, with a preference for full-time employment. This position requires in-person work at the designated location.,

As a Credit Analyst at Moksha Financial Services Pvt. Ltd., you will be responsible for credit appraisal and assessment, collateral evaluation, loan structuring, TAT management, compliance and documentation, portfolio monitoring, risk management, coordination with stakeholders, and more. You will analyze cases to determine feasibility within TAT, complete paperwork efficiently, sanction files, and conduct customer visits. Additionally, you will be required to obtain references and testimonials from customers. To qualify for this role, you should hold a Bachelor's or Master's degree in Finance, Accounting, or a related field along with a CA/CS/CFA qualification. You should have 3-5 years of experience in credit analysis, preferably in SME lending, and possess strong analytical, technical, communication, and negotiation skills. Technical skills required for this position include financial statement analysis, credit appraisal techniques, risk assessment frameworks, knowledge of banking regulations and RBI guidelines, and proficiency in MS Excel for financial modeling and credit analysis. This is a full-time position that requires you to work in person at the office located at 408, 3rd Floor, Vikram Tower, Sapna Sangeeta Road, Indore. If you meet the requirements and are interested in this opportunity, please contact the employer at +91 9179206662.,

As a Relationship Manager-Rural Business Banking at IDFC FIRST Bank, you will play a crucial role in managing and expanding the business banking portfolio in the rural regions of Punjab, India. Your primary responsibility will involve nurturing relationships with existing clients while also seeking out new business opportunities in the area. Your key duties will include building and sustaining connections with both current and potential business banking customers in Punjab's rural communities. This will require proactive engagement through various means like referrals, cold calls, and networking to expand the client base effectively. Furthermore, you will be tasked with evaluating the financial health and risk profile of potential clients to assess their creditworthiness. Based on your analysis, you will structure and negotiate loan terms that align with the clients" needs and the bank's standards. Collaboration with internal bank departments will also be essential to leverage cross-selling opportunities for different products and services to the clients. Staying informed about market dynamics and competitors in the rural business banking sector will be crucial to make informed decisions and maintain a competitive edge. To excel in this role, you should possess a graduation degree in BA, BCom, BSc, BBA, BCA, BE, BTech, or any other relevant field. Additionally, a solid background of 5 to 10 years in branch banking is required to navigate the complexities of this position successfully. Your commitment to providing exceptional customer service and ensuring high levels of client satisfaction will be instrumental in driving the growth and success of the Rural Business Banking segment at IDFC FIRST Bank.,

Key Responsibilities : Loan Application Processing : Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details. Ensure completeness of documents required for loan processing and disbursement. Credit Assessment & Risk Analysis : Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity. Utilize various risk analysis tools and credit models to evaluate the potential risk and profitability of loans. Loan Approval/Rejection : Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies. Communicate the decisions clearly to clients and work with them to explain the reasons for approval or denial. Mortgage Loan Structuring : Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and organizational guidelines. Customer Interaction : Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans. Guide clients through the mortgage process and provide updates on the status of their loan applications. Compliance & Regulatory Adherence : Ensure all mortgage loan applications comply with internal policies , regulatory requirements , and industry standards. Stay updated with the latest regulatory changes and implement them as necessary. Collaboration with Sales & Operations : Work closely with the sales and customer relationship teams to ensure smooth loan origination and processing. Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers. Portfolio Management : Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults. Recommend corrective actions or adjustments for any non-performing loans. Reporting & Documentation : Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review. Maintain accurate and up-to-date records for all mortgage transactions. Customer Service : Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.

Key Responsibilities : Loan Application Processing : Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details. Ensure completeness of documents required for loan processing and disbursement. Credit Assessment & Risk Analysis : Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity. Utilize various risk analysis tools and credit models to evaluate the potential risk and profitability of loans. Loan Approval/Rejection : Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies. Communicate the decisions clearly to clients and work with them to explain the reasons for approval or denial. Mortgage Loan Structuring : Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and organizational guidelines. Customer Interaction : Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans. Guide clients through the mortgage process and provide updates on the status of their loan applications. Compliance & Regulatory Adherence : Ensure all mortgage loan applications comply with internal policies , regulatory requirements , and industry standards. Stay updated with the latest regulatory changes and implement them as necessary. Collaboration with Sales & Operations : Work closely with the sales and customer relationship teams to ensure smooth loan origination and processing. Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers. Portfolio Management : Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults. Recommend corrective actions or adjustments for any non-performing loans. Reporting & Documentation : Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review. Maintain accurate and up-to-date records for all mortgage transactions. Customer Service : Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.

Key Responsibilities : Credit Evaluation : Assess the creditworthiness of customers applying for auto loans by reviewing their financial profiles, credit history, and loan repayment capacity. Conduct thorough checks, including background and reference verification, to ensure accurate decision-making. Loan Application Processing : Review and validate loan applications for completeness and compliance with bank policies and regulatory requirements. Ensure that all documentation is in place for loan disbursement. Risk Analysis : Identify and evaluate potential risks associated with lending to applicants. Utilize risk management tools and models to minimize credit risk exposure. Approval and Rejection of Loans : Approve or reject auto loan applications based on analysis, credit policies, and risk assessment criteria. Ensure timely communication with customers regarding loan approval or rejection. Loan Structuring : Recommend suitable loan structures, terms, and interest rates based on customer profiles and internal policies. Collaboration with Sales Team : Work closely with the sales and relationship management teams to ensure that loan products meet customer needs and expectations. Provide support for any questions or concerns related to loan terms, conditions, and eligibility. Compliance and Regulatory Adherence : Ensure compliance with the bank's internal policies , local regulations, and industry standards. Stay updated with the latest regulatory changes impacting auto loans. Customer Interaction : Assist customers with loan-related queries, provide information on loan products, and guide them through the loan application process. Foster positive relationships with customers to encourage repeat business and enhance customer satisfaction. Performance Monitoring : Monitor loan portfolio performance, including assessing the timely repayment of loans. Identify delinquent accounts and recommend appropriate action in line with the organization's policies. Reporting : Generate regular reports on loan performance, outstanding balances, and credit quality. Provide insights into loan trends, customer behaviors, and any areas for improvement.

The role of Relationship Manager-Rural Business Banking at IDFC FIRST Bank in Sirhind, Punjab, India, is a key position within the Rural Banking department. As a Relationship Manager, your primary objective will be to effectively manage and expand the business banking portfolio in the rural regions of Punjab. Your responsibilities will include nurturing and enhancing relationships with existing as well as prospective business banking clients in the rural areas of Punjab. You will be expected to identify and onboard new clients by leveraging various channels such as referrals, cold calling, and networking. Conducting thorough financial analysis and risk evaluations of potential clients to assess their creditworthiness will be a crucial part of your role. You will also be responsible for structuring and negotiating loan terms and conditions with the clients to ensure mutually beneficial agreements. Collaboration with different departments within the bank will be essential for cross-selling various products and services to the clients. Staying abreast of market trends and competition in the rural business banking sector will be necessary to make informed decisions and strategies. A core aspect of your role will be to provide exceptional customer service and uphold a high standard of client satisfaction. This will involve addressing client queries promptly and effectively, ensuring a positive banking experience for all clients. To be eligible for this position, you should have a graduation degree in BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate field. Additionally, a minimum of 5 to 10 years of relevant branch banking experience is required to excel in this role.,

Evaluate creditworthiness and process loan applications Oversee credit monitoring, borrower ratings, and compliance filings Manage loan documentation, disbursal, and inter-lender coordination Ensure alignment with ROC/CERSAI requirements Required Candidate profile Provide regular reporting to regulatory bodies and internal teams Recommend policy enhancements and explore new loan structures

Role & responsibilities Loan Processing & Client Management Manage end-to-end loan lifecycle : client onboarding, KYC verification, application review, sanction, documentation, and disbursement Interact directly with clients to gather required information, explain lending terms, and ensure a seamless experience Maintain accurate and up-to-date records in internal loan management systems Credit Assessment & Structuring Perform credit analysis including financial statement review, bank statement analysis, and credit scoring Prepare credit appraisal notes with insights on borrowers risk profile, cash flows, and repayment ability Assist in loan structuring in alignment with internal credit policies and borrower needs Compliance & Documentation Ensure all documentation is complete, compliant with RBI and NBFC norms , and in line with internal SOPs Coordinate with legal teams for agreement drafting, verification of collateral/security, and documentation checks Monitor post-disbursement compliance, repayment tracking, and periodic reviews Skills & Competencies Required: Understanding of NBFC lending norms , RBI guidelines, and documentation processes Strong knowledge of credit analysis , financial ratios, and risk flags Proficient in Excel , documentation review, and CRM/loan software Detail-oriented, good communication skills, and ability to work under timelines

General Work collaboratively to achieve department and firm objectives Develop and maintain market relationships with appropriate vendors and other industry participants Review loan level financings, appraisal review, and other activities that may require feedback from the debt originations or real estate finance groups Present potential decisions impact on assets and asset performance to senior leadership AssetManagement Oversee and/or directly manage a diverse portfolio of commercial real estate loans. Reviewing legal documentation, financial models, business plans, covenants to assess the loan and asset level risk. Experience interacting with property managers, third party vendors, borrowers and law firms Experience in Rockport and Excel cash flow modeling/forecasting in conjunction with the use of market sale and rent comps to determine real estate values across a variety of property types: multifamily, hospitality, retail, industrial, office, self-storage, senior living, etc. Monitoring business plan performance and making tactical and strategic recommendations, as appropriate. Analysis & Reporting Coordinate due diligence documents with clients, vendors and legal for review. Coordinate the loan pledges and risk rating/credit analysis for obtaining internal approvals Ongoing monitoring of the asset and loan performance, preparing asset summary reports and internal business plan presentations, valuation analysis, market analysis. Managing client relationships and interacting with property managers, legal counsel, servicers, co-lenders, institutional borrowers, etc. to ensure smooth / high quality execution/monitoring of CRE deals Manage and create data related quality control checks for internal databases and provide resolution through analytic research. Underwriting Perform valuation analyses and due diligence related activities Track and forecast operating cash flows from real estate assets using a combination of market data, property specific operating norms, actual performance data and GS specific standards required to evaluate, pursue, and close debt investment opportunities. Coordination of internal and external resources to analyze investments opportunities Basic Qualifications Minimum 2 to 4 years of experience in originating/underwriting CRE loans and/or managing performing/distressed assets Experience valuing multiple commercial real estate product types Proficiency in Excel, PowerPoint and Word Strong academic background Preferred Qualifications Excellent quantitative, verbal and written communication skills Self-motivated, ability to work both autonomously and in a team setting Solid analytical/logical mindset and attention to detail Strong sense of accountability and dedication to continuous improvement Ability to work under pressure and meet deadlines ensuring high quality output

Handling of loan servicing activities (new borrowings, increases, rollovers, paydowns, commitment reductions) and ensure currency cut-offs are followed Have a front-to-back understanding of the loan product and the events associated with it by managing a complex portfolio and be an SME. Maintain a clean inventory for the team and perform effective supervision and EOD checks including payment approvals. Ensure control measures are established to scrutinize exceptions/errors to prevent any operational losses and review these measures constantly Adherence to daily operation policy and procedure and internal controls Ensure posting and escalation process is adhered to Own control reports and be part of weekly metrics and contribute towards RCSA deliverables Create an environment where skills are shared and achieve department and business goals Train, coach and mentor the new joiners in the team BASIC QUALIFICATIONS Bachelors degree in a finance related field. Proven analytical skills, problem solving ability, and a control mentality paired with meticulous attention to detail. PREFERRED QUALIFICATIONS Knowledge of MS Office applications. Aptitude for dealing with complex issues and communicating them to various stakeholders. Flexible and able to work we'll under pressure along with leading the team in the right direction. Self-motivated and proactive team player, who takes ownership and accountability of projects, has strong organizational skills as we'll as the ability to effectively manage competing priorities.

Pricing & Analytics: Conduct daily and ad hoc pricing and risk analysis to inform standard and exception deposit pricing on an ongoing basis including transaction specific deposit product pricing, e.g., trading term deposits and partnering with advisors to win new assets Perform regular business projections and mark to market against business plan both of which inform overall business strategy Develop and use dashboards to monitor performance against balance and revenue goals Monitor and manage the book within all relevant market risk, liquidity risk limits Run regular competitor analysis for deposit products and ranking across markets Business Management: Create overall product strategy for deposits including defining and prioritizing new products, identifying infrastructure and process improvements to enhance performance against goals, managing issues that arise in the normal course of business Develop and maintain deposit policies, procedures and processes to operate the business effectively and in compliance with all relevant global regulations Support strategic initiatives and projects including banking service feature launches, new products, new branches or regions, changes to pricing or operational frameworks Client Relationship Management: Regional advisor and client coverage including regular interface to drive usable deposit balances, participation in ISG calls or other marketing forums, etc. Develop marketing materials for use with advisors and clients including market updates, banking service marketing, general marketing and promotions Assist with client call preparation by creating review materials, pitchbooks and account reviews. SKILLS & EXPERIENCE WE RE LOOKING FOR A Bachelor s degree, MBA preferred Foundational knowledge of deposit instruments, liquidity risk or treasury solutions is a plus Experience within financial services, preferably with a quantitative background Ability to work in a fast-paced environment, be organized and think clearly under pressure Strong verbal and written communication skills Attention to detail with ability to operate independently Eager to work in an entrepreneurial environment Collaborative, energetic, enthusiastic, and a self-starter