As a Credit Analyst in Construction Finance, your job is to assess whether a real estate
developer can successfully build, sell, and repay the loan.
Financial & Credit Underwriting: Analyzing corporate financials, balance sheets, cash
flows, and credit histories of the developer/promoter group.
Project Feasibility Assessment: Evaluating the project's micro-market (demand-
supply dynamics in that specific pocket of Mumbai), ticket sizes, and pricing viability.
Cash Flow Modeling: Building agile escrow cash flow models to calculate the
project’s DSCR (Debt Service Coverage Ratio), internal rate of return, and sensitivity
analysis (e.g., what if sales drop by 20%?).
Regulatory & Technical Due Diligence: Ensuring compliance with TS-RERA (Telangana
Real Estate Regulatory Authority), checking municipal approvals (GHMC, HMDA),
land titles, and environmental clearances.
Monitoring & Disbursements: CF loans are disbursed in tranches based
on construction milestones. You will review reports from Independent Engineers (LIE)
to verify physical progress before releasing funds.

📌 Credit Manager (Mumbai)
🏢 Value Find Consultants
📍 Mumbai