Assistant Manager - US Mortgage

Nexdigm; India; On-site; INR 800,000 - 1,200,000; Full time

Job summary

A financial services firm in India is seeking a Credit Analyst to support the Asset Manager by providing financial insights and projections. Responsibilities include drafting credit memos, evaluating management effectiveness, and producing quarterly reports. Candidates should possess an MBA in Finance, 2-5 years of experience in Real Estate financing, and strong analytical skills. This role emphasizes professionalism, communication, and teamwork.

Qualifications

• Good academic background in finance.
• 2-5 years of related work experience.
• Experience in developing financial models for Real Estate.

Responsibilities

• Provide financial insights and projections to the Asset manager.
• Assist in drafting credit memos and credit reports.
• Produce quarterly portfolio variance summary reports.

Skills

MBA – Finance

2-5 years of experience in Real Estate Loan Financing

Knowledge of financial/credit analysis

Strong Excel, Word, PowerPoint skills

Ability to manage multiple tasks

Interpersonal and leadership skills

Education

MBA – Finance

Job description

Overview

• As a Credit analyst expert, you will be directly reporting to the Asset manager in US.
• Your responsibilities will include providing financial insights and projections to the Asset manager. You will provide reliable data and analysis to be used in decision‑making.
• You will assist in the drafting of credit memo, Loan Template, Property Template, credit report and performing analysis, identify action items, and effectively frame decisions that need to be made.

Responsibilities

• Provide support to the Asset manager in setting up new investments into iLEVEL, drafting credit memos, credit reports, and analysis reports.
• Identify and understand business challenges; propose and create solutions.
• Evaluating third‑party management company effectiveness; assessing whether manager’s oversight of financial performance and quality of resident care meet expectations.
• Analysing census, operations, clinical and financial performance on an ongoing basis.
• Reviewing and assessing reasonability of annual operating and capital budgets.
• On a quarterly basis, produce a portfolio variance summary report showing each Project and its operating performance relative to the corresponding Approved Budget.
• Acting as project manager and serving as primary day‑to‑day liaison to third‑party management companies and reporting to unit leader on their requests for working capital, capital improvement funds and approvals required under the management agreement.
• Following the completion of the calendar year, prepare and submit a year‑end report that will include:
  • The actual operating results for each Project, along with a written explanation of whether loan operations for the calendar year, in fact, met or exceeded the Approved Budget.
  • A discussion regarding the Approved Budget as it relates to the anticipated operating performance for the upcoming year to facilitate Owner’s evaluation of the proposed Budget for the upcoming year.

Core Competencies

• Service Orientation – Should be aware of both internal and external customers and their needs; committed to meeting customers’ evolving, long‑term needs – focus on SERVICE.
• Result Orientation – Should be able to direct efforts towards developing and implementing realistic action plans to meet business objectives with a sense of urgency – focus on RESULTS.
• Initiative – One must not only understand and accept the responsibilities towards his/her job; but also proactively work towards identifying challenges and their resolution – focus on SOLUTIONS.
• Professionalism – Should have in‑depth knowledge of all functions and display not only required skill‑set but also ethics and integrity while conducting the job – focus on PROFESSIONALISM.
• Cooperation – One must ensure completion of all tasks at hand and simultaneously extend support to team members and display joint ownership towards achieving business objectives – focus on TEAMWORK.
• Communication/Feedback – Should believe in providing feedback to other associates and receiving feedback to enhance performance, thereby meeting business objectives – focus on OPEN COMMUNICATION.

Skills

• MBA – Finance with a good academic background (in the order of highest qualification preference).
• 2‑5 years of related work experience in Real Estate Loan Financing.
• General knowledge of financial/credit analysis/Loan financing, rent rolls.
• Experience of understanding Loan financing for Real Estate Companies and developing the financial models.
• Demonstrated aptitude in quantitative and qualitative analysis; excellent interpersonal, leadership, and communication skills.
• Ability to manage multiple tasks and adapt to a changing, fast‑paced environment.
• Strong Excel, Word, and PowerPoint skills.
• Superior attention to detail and ability to successfully manage multiple competing priorities while maintaining a view of the big picture.
• Demonstrated ability to influence others through effective verbal and written communication.