Credit Relationship Manager - BFSI

Specification:

- The RM shall be responsible for originating deals, developing financing solutions for the clients and preparation of analytical models for credit underwriting and investors.

- RM shall work with the external agencies, sales and investors team for placements, due diligence, documentation and final closure.

Deliverables:

- Scoping and scanning the market for origination of Real Estate transactions across standard asset classes, high yield deals, special situation deals & lease rental discounting transactions from both the primary as well as secondary (existing lender/investor) markets.

- Ideating with Promoters/CFO/CXO for structuring and identifying opportunities for financing/ restructuring / settlement/ advisory mandates.

- Need understanding skills to evaluate the Real Estate asset category as a whole.

- Continuous engagement with internal relationships, agencies, investors and coverage teams

- Developing pitches with financing solutions and structuring acceptable credit solutions

- Preparation of IM & analytical material for internal do-ability assessment and for external investors - cash flow models, information docket, etc.

- Working with external agencies, sales team and prospective investors for placements.

- Closure of deal including sanctions, due diligences, documentation and funding

- Working independently as well as part of a larger team

Relationships:

- External - Borrowers/ Issuers, Investors, Legal Counsels, Rating Agency, Trustee, valuation agencies, etc.

- Internal clients - RM's , Credit, Product, Treasury

Qualification and Experience:

Qualifications: MBA (from top tier institutions); CA (rankers / first attempt)

- Experience profile of at least 8-12 years

- Should have in-depth experience of working with Borrowers/Corporates/ NBFCs/Investors/Funds

- Established track record of origination / structuring / placement of RE & high yield deals

- Keen understanding of expectations and typical investment philosophies of the variety of investors active in this space

- Create deals across situations -acquisitions financing, refinance, stressed assets space, partner/ PE buy outs, Rentals discounting, etc.

- Good understanding of taxation & regulatory framework aspects relevant to structuring, listing, etc.

Skills:

- Strong coverage and origination capabilities; relationship management skills

- Mental flexibility, regulatory awareness to structure and execute deals across situations

- Term sheets and documentation negotiation

- Self-starting & initiative-taking abilities to work in unstructured situations