Role & responsibilities

We are looking for a Real Estate Credit Analyst. The role involves end-to-end evaluation of real estate financing opportunities, with a focus on credit underwriting, financial modelling, transaction structuring and portfolio monitoring.

- Evaluate real estate financing proposals across residential, commercial and mixed-use projects.
- Analyze developer/promoter profile, financial strength, track record and execution capability.
- Conduct detailed assessment of project feasibility, statutory approvals, construction progress, sales velocity, collections, inventory position and marketability.
- Coordinate with Business, legal and technical team. Review legal, technical and valuation due diligence and identify key credit risks & mitigants if any.
- Prepare detailed Credit Appraisal Notes (CRANs) with project-level financial models and cash-flow projections & repayment/exit analysis with sensitivity testing
- Evaluate transaction structure, repayment mechanism, security package, covenants and credit enhancements.
- Present transaction and recommendations to Sanctioning Authority/ Senior management.




- Monitor the portfolio & identify early warning signals and support portfolio reviews and corrective actions.
- Track compliance with financial covenants, undertakings and key conditions post-disbursement.
- Track real estate markets, developer trends, pricing, absorption, inventory and regulatory developments

Preferred candidate profile 1 -7years of relevant experience in Real Estate Credit, Real Estate Financing including Project Finance, Real Estate PE, Investment Banking or Real Estate Advisory.

- CA / CFA / MBA / PGDM (Finance) or equivalent qualification preferred.
- Strong understanding of real estate project finance, RBI Regulations, Project Finance Guidelines and credit underwriting.
- Experience in preparing CRANs / Credit Committee notes & Excellent financial modelling and Excel skills.
- Ability to independently analyze financial statements and project cash flows.
- Fair understanding of real estate documentation, escrow structures, approvals and security structures.
- Good written and verbal communication skills.
- Solid analytical ability, attention to detail and commercial judgement.

📌 Credit Analyst (Delhi)
🏢 Kotak Mahindra Bank
📍 Delhi