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