Manager - Structured Finance/Credit Underwriting - Banking/Financial Services

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.