Job Description: Business Analyst – Corporate Real Estate (CRE) Lending

Role Overview
Federal Bank is seeking an experienced and analytical Business Analyst to join our Wholesale Lending Vertical within the Corporate Real Estate (CRE) division. Based out of our Mumbai (Wadala) office, this role is critical to the business team's growth.
As a Business Analyst, you will serve as the analytical backbone for our Relationship Managers (RMs), evaluating high-value capital structuring for top-tier real estate developers. Your responsibilities will span the entire deal lifecycle—from initial risk assessment and complex financial underwriting for diverse assets (residential, commercial, hotels, warehousing, and data centers) to seamless execution, disbursement coordination, and robust post-sanction portfolio management.

Key Responsibilities
1. Deal Evaluation & Credit Underwriting
• Risk & Appetite Assessment: Preliminary screening of current proposals against the bank's internal credit risk policies and risk appetite framework.
• Memo Preparation:



Author comprehensive In-Principle Approval Notes and detailed Credit Assessment Memos (CAM) for credit committee reviews.
• Financial & Cash Flow Modeling: Build and analyze detailed project cash flows, sensitivity models, project cost-to-complete estimates, and overall financial statements.
• Due Diligence & Market Intelligence: Conduct rigorous micro-market studies (demand-supply dynamics, pricing trends, velocity analysis), evaluate technical valuation reports, and review legal notes on land title chains.

2. Disbursement Execution & Stakeholder Liaison
• End-to-End Coordination: Act as the central point of contact between the business team, internal risk, legal, operations, compliance teams, and the borrower to drive documentation execution.
• Condition Compliance: Verify compliance with all Pre-Disbursement Conditions (CPs) and ensure smooth, timely fund releases.

3. Account Management & Post-Disbursement Servicing
• Portfolio

📌 Real Estate Analyst (Mumbai)
🏢 Federal Bank
📍 Mumbai