102 Loan Management jobs in India

Key Responsibilities:

- Domain Related:

1. Assist global Credit Analyst(s) in cash flow analysis for Structured Finance securities
2. Prepare cash-flow Model for structured finance deals RMBS, across EMEA and US regions) using proprietary platforms (IMAKE, Cashflow Evaluator, Intex) and ensure the correctness of the cash flow output
3. Cash-flow Modelling involves:
4. Analyzing, comprehending, and interpreting transaction documents such as Offering Circular, Indenture, Term-sheet etc., to understand the structure and features of the deals
5. Retrieve appropriate data (Asset and Liability level) to prepare cash-flow model set up files
6. Scripting payment waterfalls and related conditions as per the deal covenants using pre-built functions in the scripting tools to generate the required cash-flow output
7. Testing the Cash-flow model through scenario analysis to comply all the requirement of legal document and the Asset Specific Cash-Flow Criteria
8. Work on resolving Queries w.r.t Cash-flow model outputs used for ratings process
9. Model maintenance involves regular testing and validation of models based on the most recent investor reports, statements published by issuers, servicers and revising the model to be in sync with expected outcome
10. Stay abreast with the latest developments in the structured finance market and understand / be able to comment on their potential impact
11. Support Global Credit Analyst(s) in analyzing the performance of a portfolio of Structured Finance transactions for any credit event Process Adherence:
12. Focus on quality review and add analytical inputs to processes as and when needed
13. Create and maintain base level training material, process manuals and related documentation to ensure smooth execution of tasks
14. Adopt the defined processes in day-to-day execution of assignments
15. Identify process improvement avenues that leads to value addition to work
16. Ensure gained knowledge is retained and documented through operating manuals
17. Work with other teams and suggest methods to improve efficiency of the existing process

7. Strictly practice and follow all compliance, confidentiality and information security policies and procedures and related guidelines of the organization

Client Management / Stakeholder Management:

1. Build and maintain relationships with onshore Analyst and respective stakeholders
2. Set expectations with clients for the routine tasks (viz., scope of work, timelines, etc.) People Development:
3. Provide mentoring / training to junior members of the team
4. Implement team-level initiatives (co-curricular activities)
5. Familiarize new recruits to the team and organization

Expected Candidate Profile: -

1. Understanding of Fixed Income AND/OR Structured Finance / Securitization concepts
2. Excellent oral and written communication skills
3. Positive attitude with qualities of a team player and Solution oriented
4. Ability to take ownership and execute tasks independently
5. Ability to deal with pressure and open to new ideas and initiatives
6. Ability to build client relations and take a view based on client guidance

Essential Qualification: -

Two years full-time MBA (Finance) OR Equivalent

Preferred Qualification: -

Two years full-time MBA/PGDM (Finance) OR Equivalent degree in Quantitative Finance OR (CFA / FRM) with 3-5 years of work experience in Structured finance (ABS / RMBS / CLOs).

Job Description:

ROLE PURPOSE & OBJECTIVE:

• This role prepares Credit assessment notes with detailed financial analysis for lending cases to various NBFCs and MFIs and presenting to Credit Committee.
• The incumbent meets clients and completes due diligence exercise as part of Credit appraisal process.
• Manage complete credit appraisal and due diligence on credit cases within defined TAT.
• Proper maintenance of Credit files as per Internal guidelines and regulatory guidelines
• Monitor portfolio assigned on regular basis and reporting any covenant breach/abnormal events to Management and suggesting remedial actions.
• Manage quicker TAT for processing cases
• Use Rating models to complete rating for all cases assigned
• Monitor of portfolio assigned on regular basis, testing financial covenants and periodic review of assigned portfolio
• Maintain timely review/renewal of all cases on due dates
• Maintain all Credit files systematically and in compliance with all Internal and regulatory guidelines

Job description

Position: Credit Analyst

Qualification: A Graduate Degree in Commerce/Finance/Business or a Semi Qualified CA (dropped)

Location: Mumbai (Mulund West)

Job Description: -

• Preparation of proposal notes related to Real Estate Finance

• Internal risk assessment and data analysis of proposals using MS Excel

• Preparation of CMA, Cash Flows, Fund Flows and Ratio Analysis

• Evaluating clients’ credit data and financial statements for preliminary risk assessment

• Interact with financial institutions and clients for due diligence and documentation.

Key Expectations -

• Good understanding of financial analysis of companies
• Intermediate level skills in MS Office – Good Keyboard skills and knowledge of shortcuts in MS Excel
• Understanding of various banking asset products

While we would prefer someone with up to a year of relevant experience, even freshers with a good knack for Excel and an interest in building a career in real estate finance are encouraged to apply.

Salary: Upwards of Rs 3 Lacs. Would not be a constraint for the right candidate.

Website:

• Analyze financial statements, credit reports, and other financial data to assess the creditworthiness of individuals and businesses.
• Prepare detailed credit proposals and recommendations for loan approvals or rejections.
• Monitor existing loan portfolios, identifying potential risks and recommending appropriate actions.
• Ensure compliance with internal credit policies, procedures, and relevant banking regulations.
• Conduct industry and market research to inform credit decisions.
• Develop and maintain strong relationships with clients, understanding their financial needs and objectives.
• Utilize credit scoring models and other analytical tools to evaluate risk.
• Prepare reports on credit quality, portfolio performance, and market trends.
• Collaborate with loan officers and other departments to facilitate the lending process.
• Stay updated on economic conditions and their potential impact on credit risk.
• Assist in the development and refinement of credit policies and procedures.

• Bachelor's degree in Finance, Economics, Accounting, or a related field.
• Minimum of 3 years of experience in credit analysis, loan underwriting, or a related banking/finance role.
• Strong understanding of financial statement analysis, ratio analysis, and cash flow assessment.
• Knowledge of credit risk principles and lending practices.
• Proficiency in Microsoft Excel and other financial analysis software.
• Excellent analytical, quantitative, and problem-solving skills.
• Strong written and verbal communication skills, with the ability to present complex information clearly.
• Attention to detail and a high level of accuracy.
• Ability to work effectively both independently and as part of a hybrid team.
• Understanding of banking regulations and compliance requirements.

LSI Group, is a category -1 Merchant Banker with its pan-India presence, is a one-stop window of comprehensive services in financial advisory, engineering, resolution, and valuation. Our expertise spans Debt Syndication, Financial & debt restructuring, M&A Advisory, Engineering Consultancy-PMC Services and Valuation Services. We prioritize creating knowledge pools on economically significant topics and have built substantial expertise across sectors.

Our more than two-decade-old understanding of client needs in financial services, engineering, and valuation enables us to customize solutions effectively. Our commitment to excellence is reflected in our recruitment of best human resources with a proper amalgamation of experience & youth, forming a highly motivated team that embodies our mantra of “Creating Value, Partners in Growth.”

Role : Sr. Credit Analyst

Designation : AVP or above

Requirements

Preparation of CMA (Credit Monitoring Arrangement) Data:

- Strong understanding of RBI guidelines and formats.

- Ability to analyze financial statements to prepare CMA reports.

- Experience working with auditors and finance teams to project financials for term loans and working capital requirements.

- Experience working with auditors and finance teams to project financials for term loans and working capital requirements.

NBG Note / Board Note Preparation:

- Experience drafting internal proposals and notes for bank sanction committees or internal credit/risk evaluation.

- Familiarity with structuring board presentations for fund-raising or debt syndication approval.

Understanding of Financial Requirements from Banks:

- Ability to assess borrower requirements and translate them into appropriate debt structures (working capital, term loans, ECBs, NCDs, etc.).

- Familiar with bank norms on DSCR, ICR, promoter contribution, collateral/security structuring, etc.

Banking Relationships : ***

- Existing relationships with relationship managers, corporate banking teams, or syndication desks across public, private, and foreign banks.

- Experience in negotiating terms (interest rates, covenants, tenure, etc.) with banks and FIs.

Additional Value-Adds:

- Knowledge of consortium lending and multiple banking arrangements

- Exposure to project finance, structured finance, or securitization

- Understanding of credit rating process and interactions with agencies (CARE, ICRA, CRISIL, etc.)

- Ability to support deal execution end-to-end - from mandate to disbursement

The ideal candidate will have a very strong connection and relationship with PSU/ Private Bankers as well as with corporates.

Experience

Minimum 8-10 years in a similar role

B.Com (Honours) + CA or MBA (Finance) in academics

Sound knowledge in large credit disbursal

Please send along your resume to

This is very urgent requirement and the best one will have the best of the bests remuneration in the industry.

• Conduct thorough financial analysis of loan applications, including review of financial statements, credit reports, and market data.
• Assess credit risk and determine appropriate loan structures, terms, and conditions.
• Prepare comprehensive credit reports and present recommendations to the credit committee.
• Monitor the performance of existing loans and identify potential risks or deteriorating credit conditions.
• Ensure compliance with all internal credit policies and external regulatory requirements.
• Develop and maintain relationships with clients to understand their financial needs and objectives.
• Stay informed about economic conditions, industry trends, and market dynamics that may impact credit risk.
• Assist in the development and implementation of new credit products and policies.
• Mentor junior credit analysts and provide guidance on analysis and decision-making.
• Collaborate with relationship managers to support business development efforts.
• Perform portfolio reviews and stress testing to assess overall credit risk exposure.
• Utilize financial modeling and analytical tools to forecast financial performance and repayment capacity.

• Bachelor's degree in Finance, Economics, Accounting, or a related field. MBA or CFA designation is a plus.
• Minimum of 5 years of experience in credit analysis, risk management, or lending within the banking or financial services sector.
• Strong understanding of financial statement analysis, cash flow assessment, and risk evaluation techniques.
• Proficiency in credit scoring models, financial modeling software, and Microsoft Excel.
• Excellent analytical, quantitative, and problem-solving skills.
• In-depth knowledge of relevant banking regulations and compliance standards.
• Strong written and verbal communication skills, with the ability to present complex information clearly and concisely.
• Ability to work independently and collaboratively in a hybrid work environment.
• Detail-oriented with a high degree of accuracy.
• Experience with commercial lending or corporate finance is highly desirable.

• Conduct thorough credit analysis of new and existing loan applications.
• Evaluate financial statements, credit histories, and collateral to assess risk.
• Prepare detailed credit reports and present findings to credit committees.
• Monitor the performance of the loan portfolio and identify potential areas of concern.
• Develop and recommend appropriate credit structures and terms.
• Ensure compliance with all relevant banking regulations and internal credit policies.
• Collaborate with loan officers and relationship managers to support business development.
• Stay abreast of industry trends, economic conditions, and their impact on credit risk.
• Assist in the review and update of credit policies and procedures.
• Manage and maintain accurate credit documentation.