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

The Corporate Institute; Mumbai; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

The Corporate Institute in Mumbai seeks a structured finance professional to lead deal structuring and credit analysis for diverse lending products. You will model cash flows, assess risks, and prepare detailed credit proposals for senior management.

Role involves cross-functional coordination with business, risk, legal, and operations teams to ensure compliant deal closure and ongoing portfolio monitoring.

Qualifications

• Expertise in Structured Finance and credit underwriting.
• Advanced financial modelling and valuation analysis.
• Cash flow analysis for debt servicing and repayment.
• Risk assessment and mitigation for financing structures.
• Debt structuring and documentation for complex deals.
• Corporate finance knowledge applied to lending.
• Strong Excel and numerical analysis skills.
• Negotiation and stakeholder management abilities.
• Presentation and credit-writing skills for committees.

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.
• Ensure compliance with internal policies and regulatory requirements.
• 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 & Valuation

Cash Flow Analysis

Risk Assessment & Mitigation

Debt Structuring & Documentation

Corporate Finance

Excel & Financial Analysis

Negotiation & Stakeholder Management

Presentation & Credit Writing Skills

Tools

Excel

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.