Credit Analyst - Real Estate (Fundraising & Financial Modeling

Credit Analyst

Key Responsibilities:

Financial Modeling & Analysis

• Build and manage comprehensive financial models for real estate projects, including revenue forecasts, cost estimations, cash flow projections, IRR, ROI, and break-even analysis.
  
• Conduct scenario and sensitivity analyses to assess the financial health and viability of projects under varying conditions.
  

Credit Assessment

• Perform credit analysis for the company and individual projects.
  
• Evaluate financial statements, assess debt-servicing capacity, and prepare credit notes for internal and external stakeholders.
  

Fundraising & Investor Collateral

• Prepare detailed

  Information Memorandums (IMs)

  , investor presentations, teasers, and loan proposals tailored for banks, NBFCs, and private investors.
• Support due diligence processes and respond to investor queries.
  

Liaison with Lenders

• Engage with banks, NBFCs, rating agencies, and institutional investors for fundraising initiatives.
  
• Facilitate documentation, compliance, and disbursement processes in coordination with legal and finance teams.
  

Project Feasibility & Evaluation

• Conduct project-level feasibility assessments, incorporating factors like sales velocity, construction timeline, funding requirements, and regulatory implications.
  
• Support decision-making on new launches, land acquisition, and joint development opportunities.
  

Market Research & Benchmarking

• Track real estate funding trends, benchmark debt/equity structures, and monitor market-based interest rates and financial covenants.
  
• Stay updated on RERA and regulatory developments affecting funding strategies.
  

MIS & Reporting

• Maintain dashboards and reports on fundraising status, loan covenants, disbursement schedules, and financial metrics.
  
• Provide timely updates to senior management on project financials and funding pipelines.
  

Qualifications & Requirements:

• Bachelors or Masters degree in Finance, Accounting, Economics, or a related field (CA or MBA Finance preferred).
  
• 3 to 5 years of relevant experience in credit analysis, financial modeling, or project finance, preferably within the real estate or infrastructure sectors.
  
• Advanced proficiency in Excel and financial modeling.
  
• Strong analytical and problem-solving skills with a good understanding of project finance concepts.
  
• Effective communication and presentation skills, with the ability to work independently and manage multiple priorities.
  

Preferred Skills

• Prior experience in real estate project modeling, including sales-linked inflows, construction-linked outflows, and structured drawdowns.
  
• Familiarity with lender expectations, term sheets, and financing instruments.
  
• Working knowledge of RERA, stamp duty regulations, and real estate-specific financial nuances