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.