RM - Credit Structuring

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

Job summary

Jobitus is seeking a Credit Structuring professional in Mumbai to evaluate, structure and execute customized financing transactions based on client needs and cash flows.

The role requires strong credit-underwriting, modelling, risk assessment and coordination with multiple teams to move deals from evaluation to disbursement and monitoring.

Qualifications

• Approximately 5–12 years in structured finance, corporate lending or investment banking.
• Experience with NBFCs, banks or financial institutions is preferred.
• Strong ability to structure complex lending transactions.
• Proven skill in preparing credit proposals and financial models.

Responsibilities

• Understand client funding needs and develop customized financing solutions.
• Evaluate feasibility, risks and security structures for transactions.
• Structure term loans, loan against property and structured-credit deals.
• Recommend size, pricing, tenor, covenants and collateral.
• Coordinate with cross-functional teams for sanction and documentation.
• Monitor post-disbursement conditions and portfolio performance.
• Prepare credit notes and present to committees.

Skills

Structured finance

Credit underwriting

Financial modelling

Cash-flow analysis

Risk assessment

Debt structuring

Corporate finance

Advanced Excel

Negotiation

Credit writing

Education

CA or MBA Finance or equivalent

Job description

Credit Structuring – Structured Finance

Location: Mumbai
Department: Structured Finance / Credit
Sector: BFSI / NBFC / Investment Banking
Experience: 5–12 years
Employment Type: Full Time

Role Summary

The Credit Structuring professional will evaluate, structure and execute customized financing transactions based on client requirements, business fundamentals and projected cash flows.

The position requires strong credit-underwriting, financial-modelling, transaction-structuring and risk-assessment capabilities. The incumbent will coordinate with Business, Credit, Risk, Legal and Operations teams to take transactions from initial evaluation through sanction, documentation, disbursement and portfolio monitoring.

Key Responsibilities

Deal Structuring and Evaluation

• Understand client funding requirements and develop customized financing solutions.
• Evaluate transaction feasibility, profitability, risks and security structures.
• Structure term loans, loan-against-property transactions, promoter funding and structured-credit solutions.
• Recommend transaction size, pricing, tenor, repayment structure, covenants and collateral.
• Assess commercial viability and expected risk-adjusted returns.
• Support negotiation of key commercial terms.

Financial and Credit Analysis

• Analyse historical and projected financial statements.
• Evaluate business performance, cash flows and debt-servicing capability.
• Build detailed financial models.
• Conduct ratio, sensitivity and scenario analysis.
• Assess management quality, promoter background and industry position.
• Identify financial, operational, legal and structural risks.
• Recommend appropriate risk mitigants and transaction safeguards.

Credit Proposal Preparation

• Prepare credit-appraisal notes, investment memoranda and transaction summaries.
• Present transaction recommendations to credit committees and senior management.
• Respond to credit queries and incorporate committee recommendations.
• Ensure that proposals are complete, accurate and supported by appropriate analysis.
• Maintain high standards of credit writing and presentation.

Transaction Execution

• Coordinate with Business, Credit, Legal, Risk and Operations teams.
• Review term sheets, sanction letters and financing documents.
• Monitor completion of conditions precedent.
• Track pre-disbursement documentation and compliance.
• Support due diligence, documentation and disbursement.
• Ensure adherence to internal policies and regulatory requirements.

Portfolio Monitoring

• Monitor borrower performance and financial health.
• Track repayments, covenant compliance and post-disbursement conditions.
• Identify early-warning signals and recommend corrective action.
• Conduct periodic account and portfolio reviews.
• Support refinancing and restructuring initiatives where required.

Stakeholder and Market Management

• Participate in client, promoter and lender discussions.
• Support business teams during transaction structuring and negotiation.
• Coordinate with legal advisors, valuers and other external parties.
• Monitor sector trends, market developments and regulatory changes.
• Assess emerging sector opportunities and risks.

Preferred Candidate Profile

• Approximately 5–12 years of experience in structured finance, corporate lending, investment banking or credit.
• Experience working with an NBFC, bank or financial institution.
• Demonstrated experience structuring complex lending transactions.
• Strong experience preparing credit proposals and financial models.
• Knowledge of secured lending, cash-flow-based lending and financing documentation.
• CA, MBA Finance or an equivalent finance qualification preferred.

Required Competencies

• Structured finance.
• Credit underwriting.
• Financial modelling and valuation.
• Cash-flow analysis.
• Risk assessment and mitigation.
• Debt structuring and documentation.
• Corporate finance.
• Advanced Excel and financial analysis.
• Negotiation and stakeholder management.
• Credit writing and presentation.