Manager - Credit - Mumbai - Lower Parel - MM*

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

Job summary

Tata Capital is seeking a detail-oriented credit analyst to prepare credit appraisal notes and in-principle documentation, coordinating with business, legal and risk teams for end-to-end transaction execution. The role involves financial modelling in MS Excel, tracking key metrics in infrastructure sectors, and staying updated on sector developments to assess risk and bankability.

The ideal candidate will have strong analytical writing skills, sector knowledge, and a rigorous, research-driven

Qualifications

• Understanding financial statements and corporate financial analysis.
• Ability to prepare concise credit appraisal notes with emphasis on transaction key aspects.
• Financial modelling skills using MS Excel for projections.
• Domain knowledge of sectors under coverage.
• Understanding banking and lending regulatory framework.

Responsibilities

• Prepare credit appraisal notes and in-principle notes/presentations.
• Liaise with business, legal and risk teams for transaction execution and term sheet preparation.
• Build knowledge base by engaging with internal and external parties.
• Prepare financial models and track key operating parameters in infrastructure sectors.
• Monitor sector developments relevant to assigned coverage.

Skills

Financial analysis

Credit writing

Financial modelling

Sector knowledge

Banking regulations

Research approach

Term sheet drafting

Risk identification

Management presentation

Tools

MS Excel

Job description

Job Description:

Major Deliverables:

• Preparation of Credit appraisal note and In-principle notes/presentations.
• Liaison with business, legal and risk teams for execution of transactions, including transaction structuring / term sheet preparation, credit checks on compliance with Pre-Disbursement Conditions, etc.
• Building knowledge base by engaging with internal as well as external parties
• Preparation of financial models and tracking of key operating parameters in the infrastructure sectors
• Tracking development in sectors under coverage

Specialized job competencies:

• Understanding of financial statements, and financial analysis of corporates / mid-corporates
• Proficient writing skills, for preparing credit appraisal note, in concise manner, while at the same time bringing out all the key aspects of a transaction
• Financial modelling skills (MS-Excel) for preparing business plan / financial projections.
• Domain expertise in sectors under coverage
• Understanding of banking / lending business, and the regulatory aspects in relation to the same
• Research oriented approach of working with an eye for detail.
• Term sheet Drafting
• Identifying key drivers, risks and key issues in the transaction being evaluated, and leading the discussions with client and other stakeholders (LIE, rating agencies, etc) for understanding key aspects/risks of the transaction, and obtaining suitable clarifications on the same, with the objective of making the transaction bankable.
• Presenting the transaction internally to senior management, bringing out the key strengths, risks and mitigants of the proposed transaction, prior to putting up to appropriate committee for final approval.