Manager – Structured Finance/Credit Underwriting – Banking/Financial Services Coe Solutions

The Corporate Institute; Mumbai; On-site; INR 1,500,000 - 3,200,000; Full time

Job summary

The Corporate Institute in Mumbai seeks a seasoned professional for the Structured Finance (Structuring) role. You will design and evaluate financing solutions, assess cash flow and risk, and prepare credit materials for senior committees.

You will coordinate with legal, risk, and operations teams to close deals. The ideal candidate has 5–12 years of experience in structured finance or related fields, with strong modelling, underwriting, and negotiation skills.

Qualifications

• 5–12 years in Structured Finance, Corporate Lending, Investment Banking, Credit, NBFCs, Banks or Financial Institutions.
• Experience in structuring complex lending transactions and preparing credit proposals.

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.
• Analyze financial statements, cash flows, and business performance.
• Build financial models and assess debt servicing capability.
• Identify key risks and recommend mitigation measures.
• Prepare credit notes, investment memorandums, and transaction summaries.
• Present recommendations to credit committees and senior management.
• 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.
• Monitor portfolio performance and borrower financial health.
• Track covenant compliance and identify early warning signals.
• Support refinancing and restructuring initiatives where required.
• 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.
• Monitor industry trends, market developments, and regulatory updates.
• Assess sector opportunities, risks, and competitive market practices.

Skills

Structured Finance

Credit Underwriting

Financial Modelling

Cash Flow Analysis

Risk Assessment

Debt Structuring

Documentation

Negotiation

Presentation & Credit Writing

Job description

Roles & Responsibilities – Structured Finance (Structuring):

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.

Preferred Experience:

• 5 – 12 years in Structured Finance, Corporate Lending, Investment Banking, Credit, NBFCs, Banks, or Financial Institutions.
• Experience in structuring complex lending transactions and preparing detailed credit proposals.