AVP - Credit Structure Finance

Jobitus; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Jobitus in Mumbai, India, is seeking a seasoned professional for Structured Finance roles focused on deal structuring, credit underwriting, and financial analysis. You will design flexible lending solutions, evaluate feasibility, and prepare investment memorandums while coordinating with legal, risk, and operations teams.

Ideal candidates have strong modelling skills, cash flow analysis expertise, and a track record in debt structuring and corporate finance.

Qualifications

• Experience in structured finance, credit underwriting, and deal evaluation.
• Strong financial modelling and cash flow analysis capabilities.
• Understanding of debt structuring, securities, and regulatory considerations.

Responsibilities

• Structure customized financing solutions based on client requirements and cash flow assessment.
• Evaluate transaction feasibility, risk, profitability, and security structure.
• Design lending solutions across term loans, LAP, promoter funding, and structured credit.
• Prepare credit notes, investment memorandums, and transaction summaries.
• Coordinate with stakeholders to ensure smooth execution and documentation.
• Monitor portfolio performance and covenant compliance, flagging early warnings.

Skills

Structured Finance

Credit Underwriting

Financial Modelling

Cash Flow Analysis

Risk Assessment

Debt Structuring

Corporate Finance

Negotiation

Job description

Roles & Responsibilities – Structured Finance (Structuring)

• Structure customized financing solutions based on client requirements and cash flow assessment.
• Evaluate transaction feasibility, risk, profitability, and security structure.
• Design lending solutions across term loans, LAP, promoter funding, and structured credit.

Deal Structuring & Evaluation

• Structure customized financing solutions based on client requirements and cash flow assessment.
• Evaluate transaction feasibility, risk, profitability, and security structure.
• Design lending solutions across term loans, LAP, promoter funding, and structured credit.

Financial & Credit Analysis

• Analyze financial statements, cash flows, and business performance.
• Build financial models and assess debt servicing capability.
• Identify key risks and recommend mitigation measures.

Credit & Proposal Preparation

• Prepare credit notes, investment memorandums, and transaction summaries.
• Present recommendations to credit committees and senior management.
• Ensure compliance with internal policies and regulatory requirements.

Transaction Execution

• Coordinate with business, legal, risk, and operations teams for deal closure.
• Review transaction documents, term sheets, and sanction letters.
• Monitor documentation and pre-disbursement compliance.

Portfolio Monitoring

• Monitor portfolio performance and borrower financial health.
• Track covenant compliance and identify early warning signals.
• Support refinancing and restructuring initiatives where required.

Stakeholder Management

• Engage with clients, promoters, and internal teams to understand funding needs.
• Support business teams in structuring and negotiating transactions.
• Participate in client meetings and due diligence discussions.

Market Research

• Monitor industry trends, market developments, and regulatory updates.
• Assess sector opportunities, risks, and competitive market practices.

Key Skills Required

• Structured Finance & Credit Underwriting
• Financial Modelling & Valuation
• Cash Flow Analysis
• Risk Assessment & Mitigation
• Debt Structuring & Documentation
• Corporate Finance
• Excel & Financial Analysis
• Negotiation & Stakeholder Management
• Presentation & Credit Writing Skills